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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 | $59,741 | $72,177-17.2% | $115,037-48.1% | $59,633+0.2% |
| Participation rate | 73.5% | 72.6%+0.9pp | 81.4%-7.9pp | 68.7%+4.8pp |
| Annual return | -3.54% | 12.02%-15.6pp | 26.14%-29.7pp | 2041.40%-2044.9pp |
| Employer contribution / active EE | $5,280 | $2,841+85.8% | $4,608+14.6% | $2,203+139.7% |
| Participant deferral / active EE | $7,949 | $4,783+66.2% | $6,026+31.9% | $3,192+149.1% |
| Admin fee / account holder | $323 | $4,927-93.4% | $8,175-96.0% | $4,297-92.5% |