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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 | $62,474 | $65,704-4.9% | $94,229-33.7% | $59,633+4.8% |
| Participation rate | 100.0% | 72.1%+27.9pp | 78.8%+21.2pp | 68.7%+31.3pp |
| Annual return | -4.84% | 5.22%-10.1pp | 10.68%-15.5pp | 2041.45%-2046.3pp |
| Employer contribution / active EE | $5,654 | $2,021+179.8% | $3,587+57.6% | $2,203+156.7% |
| Participant deferral / active EE | $4,991 | $3,143+58.8% | $4,320+15.5% | $3,192+56.4% |
| Admin fee / account holder | $3,973 | $4,265-6.8% | $6,269-36.6% | $4,297-7.5% |