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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 | $19,501 | $64,719-69.9% | $112,249-82.6% | $68,486-71.5% |
| Participation rate | 100.0% | 67.2%+32.8pp | 75.1%+24.9pp | 67.9%+32.1pp |
| Annual return | -19.47% | -11.40%-8.1pp | 27.48%-47.0pp | -7.85%-11.6pp |
| Employer contribution / active EE | $2,928 | $2,747+6.6% | $3,636-19.5% | $2,597+12.7% |
| Participant deferral / active EE | $5,247 | $3,565+47.2% | $4,729+11.0% | $4,028+30.3% |
| Admin fee / account holder | $1,112 | $5,232-78.8% | $6,412-82.7% | $5,404-79.4% |