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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 | $66,380 | $87,546-24.2% | $75,784-12.4% | $125,389-47.1% |
| Participation rate | 100.0% | 80.2%+19.8pp | 75.8%+24.2pp | 83.2%+16.8pp |
| Annual return | -4.62% | 13.49%-18.1pp | 9.68%-14.3pp | 282.24%-286.9pp |
| Employer contribution / active EE | $3,172 | $3,930-19.3% | $3,323-4.5% | $4,866-34.8% |
| Participant deferral / active EE | $7,555 | $4,230+78.6% | $3,652+106.9% | $5,352+41.2% |
| Admin fee / account holder | $3,446 | $6,503-47.0% | $5,300-35.0% | $9,541-63.9% |