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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 | $49,105 | $72,177-32.0% | $115,038-57.3% | $59,633-17.7% |
| Participation rate | 88.9% | 72.6%+16.3pp | 81.4%+7.5pp | 68.7%+20.2pp |
| Annual return | -2.42% | 12.02%-14.4pp | 26.14%-28.6pp | 2041.45%-2043.9pp |
| Employer contribution / active EE | $2,255 | $2,841-20.6% | $4,608-51.1% | $2,203+2.4% |
| Participant deferral / active EE | $6,860 | $4,783+43.4% | $6,026+13.8% | $3,192+114.9% |
| Admin fee / account holder | $1,632 | $4,927-66.9% | $8,175-80.0% | $4,297-62.0% |