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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 | $42,384 | $83,427-49.2% | $115,756-63.4% | $68,495-38.1% |
| Participation rate | 75.9% | 71.9%+4.0pp | 77.1%-1.2pp | 67.9%+8.0pp |
| Annual return | -22.59% | -10.95%-11.6pp | 143.14%-165.7pp | -7.84%-14.7pp |
| Employer contribution / active EE | $2,665 | $3,075-13.3% | $3,793-29.7% | $2,596+2.6% |
| Participant deferral / active EE | $5,803 | $5,355+8.4% | $6,254-7.2% | $4,028+44.1% |
| Admin fee / account holder | $913 | $5,708-84.0% | $8,124-88.8% | $5,403-83.1% |