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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 | $43,387 | $62,589-30.7% | $76,768-43.5% | $64,173-32.4% |
| Participation rate | 81.8% | 72.8%+9.0pp | 77.0%+4.9pp | 69.6%+12.2pp |
| Annual return | -12.18% | -1.95%-10.2pp | 2.43%-14.6pp | 7.63%-19.8pp |
| Employer contribution / active EE | $0 | $1,832-100.0% | $2,485-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $5,337 | $3,145+69.7% | $3,852+38.6% | $3,470+53.8% |
| Admin fee / account holder | $2,372 | $4,667-49.2% | $6,675-64.5% | $4,887-51.5% |