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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 | $16,984 | $43,344-60.8% | $59,899-71.6% | $64,173-73.5% |
| Participation rate | 91.5% | 69.2%+22.4pp | 74.7%+16.8pp | 69.6%+22.0pp |
| Annual return | -7.37% | -1.55%-5.8pp | 3.46%-10.8pp | 7.63%-15.0pp |
| Employer contribution / active EE | $843 | $2,030-58.5% | $2,723-69.0% | $2,381-64.6% |
| Participant deferral / active EE | $4,882 | $2,547+91.6% | $3,402+43.5% | $3,470+40.7% |
| Admin fee / account holder | $965 | $3,008-67.9% | $3,592-73.1% | $4,887-80.3% |