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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 | $63,108 | $69,977-9.8% | $108,582-41.9% | $62,881+0.4% |
| Participation rate | 100.0% | 72.9%+27.1pp | 79.6%+20.4pp | 69.3%+30.7pp |
| Annual return | -1.48% | 10.73%-12.2pp | -51.70%+50.2pp | 20.14%-21.6pp |
| Employer contribution / active EE | $1,818 | $2,135-14.8% | $3,758-51.6% | $2,281-20.3% |
| Participant deferral / active EE | $3,054 | $3,165-3.5% | $4,311-29.1% | $3,203-4.6% |
| Admin fee / account holder | $1,248 | $5,076-75.4% | $7,645-83.7% | $4,296-71.0% |