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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 | $55,517 | $127,387-56.4% | $115,038-51.7% | $125,389-55.7% |
| Participation rate | 78.6% | 84.2%-5.6pp | 81.4%-2.8pp | 83.2%-4.6pp |
| Annual return | -3.92% | 31.28%-35.2pp | 26.14%-30.1pp | 282.24%-286.2pp |
| Employer contribution / active EE | $2,383 | $5,166-53.9% | $4,608-48.3% | $4,866-51.0% |
| Participant deferral / active EE | $6,027 | $6,423-6.2% | $6,0260% | $5,352+12.6% |
| Admin fee / account holder | $1,523 | $9,516-84.0% | $8,175-81.4% | $9,541-84.0% |