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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 | $14,106 | $42,910-67.1% | $60,919-76.8% | $68,490-79.4% |
| Participation rate | 97.4% | 66.8%+30.6pp | 73.1%+24.3pp | 67.9%+29.5pp |
| Annual return | -24.53% | -13.99%-10.5pp | 16.96%-41.5pp | -7.85%-16.7pp |
| Employer contribution / active EE | $3,298 | $1,978+66.7% | $2,704+22.0% | $2,597+27.0% |
| Participant deferral / active EE | $6,131 | $2,866+114.0% | $3,814+60.7% | $4,028+52.2% |
| Admin fee / account holder | $923 | $3,104-70.3% | $3,228-71.4% | $5,403-82.9% |