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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 | $61,651 | $71,873-14.2% | $86,698-28.9% | $68,490-10.0% |
| Participation rate | 82.1% | 72.2%+9.9pp | 76.6%+5.6pp | 67.9%+14.2pp |
| Annual return | -21.70% | 3.54%-25.2pp | 35.96%-57.7pp | -7.85%-13.8pp |
| Employer contribution / active EE | $3,160 | $2,173+45.4% | $2,837+11.4% | $2,597+21.7% |
| Participant deferral / active EE | $7,253 | $3,779+91.9% | $4,656+55.8% | $4,028+80.1% |
| Admin fee / account holder | $6,846 | $6,110+12.0% | $7,492-8.6% | $5,403+26.7% |