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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 | $21,298 | $72,177-70.5% | $115,038-81.5% | $59,633-64.3% |
| Participation rate | 71.8% | 72.6%-0.8pp | 81.4%-9.6pp | 68.7%+3.1pp |
| Annual return | -4.90% | 12.02%-16.9pp | 26.14%-31.0pp | 2041.45%-2046.4pp |
| Employer contribution / active EE | $2,426 | $2,841-14.6% | $4,608-47.4% | $2,203+10.1% |
| Participant deferral / active EE | $4,699 | $4,783-1.8% | $6,026-22.0% | $3,192+47.2% |
| Admin fee / account holder | $3,180 | $4,927-35.4% | $8,175-61.1% | $4,297-26.0% |