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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 | $31,927 | $52,911-39.7% | $73,309-56.4% | $59,633-46.5% |
| Participation rate | 100.0% | 68.2%+31.8pp | 74.9%+25.1pp | 68.7%+31.3pp |
| Annual return | -3.93% | 12.20%-16.1pp | 5.67%-9.6pp | 2041.45%-2045.4pp |
| Employer contribution / active EE | $2,194 | $1,909+15.0% | $3,237-32.2% | $2,203-0.4% |
| Participant deferral / active EE | $1,712 | $4,069-57.9% | $4,991-65.7% | $3,192-46.4% |
| Admin fee / account holder | $662 | $3,835-82.7% | $5,635-88.2% | $4,297-84.6% |