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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 | $67,418 | $52,911+27.4% | $73,309-8.0% | $59,633+13.1% |
| Participation rate | 92.1% | 68.2%+23.9pp | 74.9%+17.2pp | 68.7%+23.4pp |
| Annual return | -2.96% | 12.20%-15.2pp | 5.67%-8.6pp | 2041.45%-2044.4pp |
| Employer contribution / active EE | $5,242 | $1,909+174.7% | $3,237+61.9% | $2,203+138.0% |
| Participant deferral / active EE | $10,381 | $4,069+155.1% | $4,991+108.0% | $3,192+225.3% |
| Admin fee / account holder | $1,469 | $3,835-61.7% | $5,635-73.9% | $4,297-65.8% |