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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 | $24,383 | $72,177-66.2% | $115,038-78.8% | $59,633-59.1% |
| Participation rate | 98.0% | 72.6%+25.4pp | 81.4%+16.6pp | 68.7%+29.3pp |
| Annual return | -3.00% | 12.02%-15.0pp | 26.14%-29.1pp | 2041.45%-2044.4pp |
| Employer contribution / active EE | $1,846 | $2,841-35.0% | $4,608-59.9% | $2,203-16.2% |
| Participant deferral / active EE | $5,021 | $4,783+5.0% | $6,026-16.7% | $3,192+57.3% |
| Admin fee / account holder | $2,663 | $4,927-46.0% | $8,175-67.4% | $4,297-38.0% |