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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 | $47,544 | $71,873-33.9% | $86,698-45.2% | $68,490-30.6% |
| Participation rate | 91.2% | 72.2%+18.9pp | 76.6%+14.6pp | 67.9%+23.3pp |
| Annual return | -18.93% | 3.54%-22.5pp | 35.96%-54.9pp | -7.85%-11.1pp |
| Employer contribution / active EE | $1,088 | $2,173-49.9% | $2,837-61.6% | $2,597-58.1% |
| Participant deferral / active EE | $5,448 | $3,779+44.1% | $4,656+17.0% | $4,028+35.2% |
| Admin fee / account holder | $1,329 | $6,110-78.3% | $7,492-82.3% | $5,403-75.4% |