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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 | $58,316 | $82,028-28.9% | $123,105-52.6% | $59,633-2.2% |
| Participation rate | 97.7% | 83.2%+14.5pp | 86.8%+10.9pp | 68.7%+29.0pp |
| Annual return | -2.44% | 5.12%-7.6pp | 13.22%-15.7pp | 2041.45%-2043.9pp |
| Employer contribution / active EE | $1,937 | $3,297-41.2% | $5,151-62.4% | $2,203-12.0% |
| Participant deferral / active EE | $3,297 | $4,667-29.3% | $6,229-47.1% | $3,192+3.3% |
| Admin fee / account holder | $1,087 | $5,879-81.5% | $9,014-87.9% | $4,297-74.7% |