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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 | $71,345 | $125,797-43.3% | $170,043-58.0% | $75,173-5.1% |
| Participation rate | 93.5% | 83.6%+9.9pp | 87.0%+6.5pp | 67.2%+26.3pp |
| Annual return | -13.99% | 27.20%-41.2pp | 53.40%-67.4pp | 160.72%-174.7pp |
| Employer contribution / active EE | $2,664 | $4,616-42.3% | $6,790-60.8% | $2,671-0.3% |
| Participant deferral / active EE | $9,382 | $6,838+37.2% | $10,410-9.9% | $4,126+127.4% |
| Admin fee / account holder | $10,423 | $8,177+27.5% | $12,824-18.7% | $5,651+84.5% |