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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 | $51,025 | $50,947+0.2% | $74,549-31.6% | $64,173-20.5% |
| Participation rate | 100.0% | 61.1%+38.9pp | 69.1%+30.9pp | 69.6%+30.4pp |
| Annual return | -10.07% | -1.85%-8.2pp | 32.53%-42.6pp | 7.63%-17.7pp |
| Employer contribution / active EE | $5,227 | $1,115+368.7% | $1,961+166.6% | $2,381+119.6% |
| Participant deferral / active EE | $5,144 | $2,302+123.5% | $3,108+65.5% | $3,470+48.3% |
| Admin fee / account holder | $4,933 | $4,221+16.9% | $5,059-2.5% | $4,887+0.9% |