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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 | $95,523 | $72,177+32.3% | $115,038-17.0% | $59,633+60.2% |
| Participation rate | 93.8% | 72.6%+21.2pp | 81.4%+12.4pp | 68.7%+25.1pp |
| Annual return | -3.07% | 12.02%-15.1pp | 26.14%-29.2pp | 2041.45%-2044.5pp |
| Employer contribution / active EE | $6,077 | $2,841+113.9% | $4,608+31.9% | $2,203+175.9% |
| Participant deferral / active EE | $5,485 | $4,783+14.7% | $6,026-9.0% | $3,192+71.8% |
| Admin fee / account holder | $1,176 | $4,927-76.1% | $8,175-85.6% | $4,297-72.6% |