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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 | $63,876 | $48,235+32.4% | $68,803-7.2% | $68,490-6.7% |
| Participation rate | 81.7% | 60.7%+21.0pp | 69.0%+12.6pp | 67.9%+13.8pp |
| Annual return | -24.18% | -12.70%-11.5pp | -6.37%-17.8pp | -7.85%-16.3pp |
| Employer contribution / active EE | $5,835 | $1,829+219.1% | $2,656+119.7% | $2,597+124.7% |
| Participant deferral / active EE | $4,618 | $2,867+61.1% | $3,942+17.1% | $4,028+14.6% |
| Admin fee / account holder | $629 | $4,361-85.6% | $4,936-87.3% | $5,403-88.4% |