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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 | $32,562 | $99,032-67.1% | $80,022-59.3% | $135,380-75.9% |
| Participation rate | 77.8% | 78.4%-0.6pp | 75.8%+1.9pp | 82.6%-4.9pp |
| Annual return | -9.95% | 15.39%-25.3pp | 11.22%-21.2pp | 519.81%-529.8pp |
| Employer contribution / active EE | $4,761 | $3,043+56.4% | $2,468+92.9% | $4,779-0.4% |
| Participant deferral / active EE | $10,575 | $4,282+147.0% | $3,686+186.9% | $5,609+88.5% |
| Admin fee / account holder | $7,427 | $10,436-28.8% | $6,521+13.9% | $10,828-31.4% |