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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 | $53,450 | $77,817-31.3% | $123,553-56.7% | $64,173-16.7% |
| Participation rate | 71.7% | 74.7%-3.0pp | 82.3%-10.6pp | 69.6%+2.1pp |
| Annual return | -9.01% | 12.49%-21.5pp | 119.21%-128.2pp | 7.63%-16.6pp |
| Employer contribution / active EE | $2,360 | $3,014-21.7% | $4,628-49.0% | $2,381-0.9% |
| Participant deferral / active EE | $5,644 | $5,240+7.7% | $6,426-12.2% | $3,470+62.7% |
| Admin fee / account holder | $1,435 | $5,519-74.0% | $9,284-84.5% | $4,887-70.6% |