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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 | $61,886 | $52,678+17.5% | $75,784-18.3% | $59,633+3.8% |
| Participation rate | 80.0% | 67.2%+12.8pp | 75.8%+4.2pp | 68.7%+11.3pp |
| Annual return | -3.31% | 2.95%-6.3pp | 9.68%-13.0pp | 2041.45%-2044.8pp |
| Employer contribution / active EE | $5,637 | $2,193+157.0% | $3,323+69.6% | $2,203+155.9% |
| Participant deferral / active EE | $1,505 | $2,591-41.9% | $3,652-58.8% | $3,192-52.8% |
| Admin fee / account holder | $938 | $3,610-74.0% | $5,300-82.3% | $4,297-78.2% |