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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 | $83,193 | $181,896-54.3% | $156,551-46.9% | $273,972-69.6% |
| Participation rate | 75.0% | 88.4%-13.4pp | 84.0%-9.0pp | 83.0%-8.0pp |
| Annual return | -2.59% | 30.74%-33.3pp | 32.23%-34.8pp | 41.46%-44.0pp |
| Employer contribution / active EE | $4,087 | $6,248-34.6% | $5,501-25.7% | $4,869-16.0% |
| Participant deferral / active EE | $3,668 | $5,550-33.9% | $4,871-24.7% | $5,287-30.6% |
| Admin fee / account holder | $3,367 | $15,560-78.4% | $13,028-74.2% | $10,133-66.8% |