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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 | $18,328 | $52,911-65.4% | $73,309-75.0% | $59,633-69.3% |
| Participation rate | 100.0% | 68.2%+31.8pp | 74.9%+25.1pp | 68.7%+31.3pp |
| Annual return | -3.32% | 12.20%-15.5pp | 5.67%-9.0pp | 2041.45%-2044.8pp |
| Employer contribution / active EE | $3,405 | $1,909+78.4% | $3,237+5.2% | $2,203+54.6% |
| Participant deferral / active EE | $2,424 | $4,069-40.4% | $4,991-51.4% | $3,192-24.1% |
| Admin fee / account holder | $1,623 | $3,835-57.7% | $5,635-71.2% | $4,297-62.2% |