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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 | $44,490 | $77,817-42.8% | $123,553-64.0% | $64,173-30.7% |
| Participation rate | 96.4% | 74.7%+21.7pp | 82.3%+14.1pp | 69.6%+26.9pp |
| Annual return | -10.19% | 12.49%-22.7pp | 119.21%-129.4pp | 7.63%-17.8pp |
| Employer contribution / active EE | $4,358 | $3,014+44.6% | $4,628-5.8% | $2,381+83.0% |
| Participant deferral / active EE | $12,255 | $5,240+133.9% | $6,426+90.7% | $3,470+253.2% |
| Admin fee / account holder | $1,346 | $5,519-75.6% | $9,284-85.5% | $4,887-72.5% |