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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 | $21,949 | $72,177-69.6% | $115,038-80.9% | $59,633-63.2% |
| Participation rate | 92.0% | 72.6%+19.4pp | 81.4%+10.6pp | 68.7%+23.3pp |
| Annual return | -2.95% | 12.02%-15.0pp | 26.14%-29.1pp | 2041.45%-2044.4pp |
| Employer contribution / active EE | $3,787 | $2,841+33.3% | $4,608-17.8% | $2,203+71.9% |
| Participant deferral / active EE | $7,595 | $4,783+58.8% | $6,026+26.0% | $3,192+138.0% |
| Admin fee / account holder | $830 | $4,927-83.2% | $8,175-89.9% | $4,297-80.7% |