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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 | $38,424 | $211,946-81.9% | $169,452-77.3% | $135,379-71.6% |
| Participation rate | 80.0% | 82.6%-2.6pp | 77.8%+2.2pp | 82.6%-2.6pp |
| Annual return | -9.62% | 3.26%-12.9pp | 1.83%-11.4pp | 519.79%-529.4pp |
| Employer contribution / active EE | $2,380 | $5,117-53.5% | $4,157-42.8% | $4,779-50.2% |
| Participant deferral / active EE | $6,348 | $6,075+4.5% | $5,277+20.3% | $5,609+13.2% |
| Admin fee / account holder | $1,069 | $11,472-90.7% | $9,110-88.3% | $10,828-90.1% |