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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 | $97,304 | $211,946-54.1% | $169,452-42.6% | $135,382-28.1% |
| Participation rate | 72.7% | 82.6%-9.9pp | 77.8%-5.1pp | 82.6%-9.9pp |
| Annual return | -9.27% | 3.26%-12.5pp | 1.83%-11.1pp | 519.77%-529.0pp |
| Employer contribution / active EE | $2,953 | $5,117-42.3% | $4,157-29.0% | $4,779-38.2% |
| Participant deferral / active EE | $5,922 | $6,075-2.5% | $5,277+12.2% | $5,609+5.6% |
| Admin fee / account holder | $706 | $11,472-93.8% | $9,110-92.3% | $10,829-93.5% |