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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 | $42,748 | $58,577-27.0% | $83,323-48.7% | $64,181-33.4% |
| Participation rate | 73.5% | 72.0%+1.5pp | 77.8%-4.2pp | 69.6%+4.0pp |
| Annual return | -9.43% | 9.65%-19.1pp | 10.63%-20.1pp | 7.63%-17.1pp |
| Employer contribution / active EE | $2,794 | $2,098+33.1% | $3,379-17.3% | $2,381+17.3% |
| Participant deferral / active EE | $6,989 | $4,654+50.2% | $5,565+25.6% | $3,470+101.4% |
| Admin fee / account holder | $2,730 | $9,275-70.6% | $7,539-63.8% | $4,887-44.1% |