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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 | $77,799 | $64,719+20.2% | $112,249-30.7% | $68,486+13.6% |
| Participation rate | 96.6% | 67.2%+29.5pp | 75.1%+21.5pp | 67.9%+28.7pp |
| Annual return | -19.67% | -11.40%-8.3pp | 27.48%-47.2pp | -7.85%-11.8pp |
| Employer contribution / active EE | $4,981 | $2,747+81.4% | $3,636+37.0% | $2,597+91.8% |
| Participant deferral / active EE | $6,997 | $3,565+96.3% | $4,729+48.0% | $4,028+73.7% |
| Admin fee / account holder | $3,874 | $5,232-26.0% | $6,412-39.6% | $5,404-28.3% |