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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 | $23,984 | $73,848-67.5% | $143,799-83.3% | $68,486-65.0% |
| Participation rate | 100.0% | 66.7%+33.3pp | 80.3%+19.7pp | 67.9%+32.1pp |
| Annual return | -19.44% | 0.91%-20.4pp | -0.04%-19.4pp | -7.85%-11.6pp |
| Employer contribution / active EE | $1,902 | $3,184-40.3% | $4,952-61.6% | $2,597-26.7% |
| Participant deferral / active EE | $3,496 | $3,385+3.3% | $5,638-38.0% | $4,028-13.2% |
| Admin fee / account holder | $1,783 | $5,755-69.0% | $14,677-87.9% | $5,404-67.0% |