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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 | $96,712 | $93,064+3.9% | $74,577+29.7% | $273,972-64.7% |
| Participation rate | 100.0% | 74.9%+25.1pp | 68.1%+31.9pp | 83.0%+17.0pp |
| Annual return | -6.66% | 26.18%-32.8pp | 20.47%-27.1pp | 41.46%-48.1pp |
| Employer contribution / active EE | $3,717 | $3,160+17.6% | $2,525+47.2% | $4,869-23.7% |
| Participant deferral / active EE | $5,646 | $4,160+35.7% | $3,458+63.3% | $5,287+6.8% |
| Admin fee / account holder | $845 | $5,273-84.0% | $4,138-79.6% | $10,133-91.7% |