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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 | $67,716 | $158,852-57.4% | $121,220-44.1% | $135,379-50.0% |
| Participation rate | 89.5% | 79.3%+10.2pp | 71.8%+17.7pp | 82.6%+6.8pp |
| Annual return | -10.34% | -0.64%-9.7pp | 16.94%-27.3pp | 519.79%-530.1pp |
| Employer contribution / active EE | $9,666 | $5,666+70.6% | $4,023+140.3% | $4,779+102.3% |
| Participant deferral / active EE | $6,370 | $4,006+59.0% | $3,345+90.4% | $5,609+13.6% |
| Admin fee / account holder | $723 | $6,515-88.9% | $5,021-85.6% | $10,828-93.3% |