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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 | $52,618 | $83,485-37.0% | $125,180-58.0% | $72,983-27.9% |
| Participation rate | 81.6% | 73.3%+8.3pp | 79.8%+1.8pp | 69.5%+12.1pp |
| Annual return | -3.74% | 25.78%-29.5pp | 43.79%-47.5pp | 81.01%-84.8pp |
| Employer contribution / active EE | $0 | $2,346-100.0% | $3,866-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $3,693 | $3,586+3.0% | $4,937-25.2% | $3,608+2.4% |
| Admin fee / account holder | $1,784 | $5,518-67.7% | $9,703-81.6% | $5,124-65.2% |