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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 | $28,186 | $97,020-70.9% | $83,327-66.2% | $135,380-79.2% |
| Participation rate | 95.0% | 80.4%+14.6pp | 77.8%+17.2pp | 82.6%+12.4pp |
| Annual return | -10.02% | 12.31%-22.3pp | 10.64%-20.7pp | 519.81%-529.8pp |
| Employer contribution / active EE | $1,758 | $4,144-57.6% | $3,379-48.0% | $4,779-63.2% |
| Participant deferral / active EE | $5,020 | $5,964-15.8% | $5,565-9.8% | $5,609-10.5% |
| Admin fee / account holder | $1,261 | $8,426-85.0% | $7,540-83.3% | $10,828-88.4% |