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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 | $37,135 | $93,064-60.1% | $74,577-50.2% | $273,972-86.4% |
| Participation rate | 75.0% | 74.9%+0.1pp | 68.1%+6.9pp | 83.0%-8.0pp |
| Annual return | -3.11% | 26.18%-29.3pp | 20.47%-23.6pp | 41.46%-44.6pp |
| Employer contribution / active EE | $2,080 | $3,160-34.2% | $2,525-17.6% | $4,869-57.3% |
| Participant deferral / active EE | $7,641 | $4,160+83.7% | $3,458+121.0% | $5,287+44.5% |
| Admin fee / account holder | $364 | $5,273-93.1% | $4,138-91.2% | $10,133-96.4% |