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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 | $54,014 | $62,583-13.7% | $76,767-29.6% | $64,173-15.8% |
| Participation rate | 100.0% | 72.8%+27.2pp | 77.0%+23.0pp | 69.6%+30.4pp |
| Annual return | -8.33% | -1.95%-6.4pp | 2.43%-10.8pp | 7.63%-16.0pp |
| Employer contribution / active EE | $2,419 | $1,832+32.0% | $2,485-2.7% | $2,381+1.6% |
| Participant deferral / active EE | $6,066 | $3,145+92.9% | $3,852+57.5% | $3,470+74.8% |
| Admin fee / account holder | $605 | $4,667-87.0% | $6,675-90.9% | $4,887-87.6% |