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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 | $26,460 | $72,639-63.6% | $90,766-70.8% | $66,949-60.5% |
| Participation rate | 96.4% | 73.7%+22.7pp | 75.7%+20.7pp | 69.8%+26.5pp |
| Annual return | -19.01% | -12.28%-6.7pp | -12.16%-6.9pp | 1.57%-20.6pp |
| Employer contribution / active EE | $2,312 | $2,369-2.4% | $2,922-20.9% | $2,545-9.2% |
| Participant deferral / active EE | $3,732 | $3,979-6.2% | $4,565-18.2% | $4,239-12.0% |
| Admin fee / account holder | $3,582 | $708+406.3% | $8,446-57.6% | $594+503.5% |