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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 | $31,820 | $167,362-81.0% | $143,799-77.9% | $134,532-76.3% |
| Participation rate | 85.7% | 84.8%+0.9pp | 80.3%+5.4pp | 81.2%+4.5pp |
| Annual return | -22.51% | 0.47%-23.0pp | -0.04%-22.5pp | 418.27%-440.8pp |
| Employer contribution / active EE | $3,954 | $5,620-29.6% | $4,952-20.1% | $4,741-16.6% |
| Participant deferral / active EE | $12,456 | $6,447+93.2% | $5,638+120.9% | $6,401+94.6% |
| Admin fee / account holder | $7,503 | $18,094-58.5% | $14,677-48.9% | $11,429-34.3% |