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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 | $34,634 | $113,941-69.6% | $94,229-63.2% | $125,389-72.4% |
| Participation rate | 88.9% | 82.9%+6.0pp | 78.8%+10.1pp | 83.2%+5.7pp |
| Annual return | -7.93% | 5.29%-13.2pp | 10.68%-18.6pp | 282.24%-290.2pp |
| Employer contribution / active EE | $2,722 | $4,727-42.4% | $3,587-24.1% | $4,866-44.1% |
| Participant deferral / active EE | $3,702 | $5,179-28.5% | $4,320-14.3% | $5,352-30.8% |
| Admin fee / account holder | $2,185 | $8,392-74.0% | $6,269-65.2% | $9,541-77.1% |