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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 | $54,410 | $81,870-33.5% | $119,634-54.5% | $68,490-20.6% |
| Participation rate | 83.9% | 71.9%+12.0pp | 79.3%+4.6pp | 67.9%+16.0pp |
| Annual return | -18.93% | -23.82%+4.9pp | -14.98%-3.9pp | -7.85%-11.1pp |
| Employer contribution / active EE | $2,371 | $2,692-11.9% | $4,232-44.0% | $2,597-8.7% |
| Participant deferral / active EE | $4,414 | $4,148+6.4% | $5,601-21.2% | $4,028+9.6% |
| Admin fee / account holder | $1,088 | $6,583-83.5% | $10,329-89.5% | $5,403-79.9% |