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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 | $44,574 | $77,817-42.7% | $123,553-63.9% | $64,173-30.5% |
| Participation rate | 84.0% | 74.7%+9.3pp | 82.3%+1.7pp | 69.6%+14.4pp |
| Annual return | -8.33% | 12.49%-20.8pp | 119.21%-127.5pp | 7.63%-16.0pp |
| Employer contribution / active EE | $1,777 | $3,014-41.0% | $4,628-61.6% | $2,381-25.4% |
| Participant deferral / active EE | $5,021 | $5,240-4.2% | $6,426-21.9% | $3,470+44.7% |
| Admin fee / account holder | $502 | $5,519-90.9% | $9,284-94.6% | $4,887-89.7% |