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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $163,320 | $131,835+23.9% | $108,582+50.4% | $273,972-40.4% |
| Participation rate | 70.0% | 83.5%-13.5pp | 79.6%-9.6pp | 83.0%-13.0pp |
| Annual return | 0.78% | -91.57%+92.4pp | -51.70%+52.5pp | 41.46%-40.7pp |
| Employer contribution / active EE | $3,533 | $4,913-28.1% | $3,758-6.0% | $4,869-27.4% |
| Participant deferral / active EE | $10,983 | $5,127+114.2% | $4,311+154.8% | $5,287+107.7% |
| Admin fee / account holder | $1,458 | $10,253-85.8% | $7,645-80.9% | $10,133-85.6% |