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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 | $135,322 | $123,155+9.9% | $108,753+24.4% | $155,188-12.8% |
| Participation rate | 91.3% | 75.6%+15.7pp | 71.1%+20.2pp | 80.8%+10.5pp |
| Annual return | -0.92% | 44.73%-45.6pp | 37.47%-38.4pp | 148.84%-149.8pp |
| Employer contribution / active EE | $1,739 | $2,811-38.1% | $2,427-28.3% | $4,248-59.1% |
| Participant deferral / active EE | $2,658 | $4,623-42.5% | $4,115-35.4% | $6,531-59.3% |
| Admin fee / account holder | $2,331 | $12,126-80.8% | $10,320-77.4% | $14,480-83.9% |