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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 | $86,217 | $140,578-38.7% | $100,671-14.4% | $125,389-31.2% |
| Participation rate | 77.8% | 80.4%-2.6pp | 70.7%+7.1pp | 83.2%-5.4pp |
| Annual return | -4.30% | 24.67%-29.0pp | 20.43%-24.7pp | 282.24%-286.5pp |
| Employer contribution / active EE | $10,587 | $5,965+77.5% | $4,012+163.9% | $4,866+117.6% |
| Participant deferral / active EE | $2,329 | $3,981-41.5% | $3,144-25.9% | $5,352-56.5% |
| Admin fee / account holder | $1,681 | $6,716-75.0% | $4,850-65.3% | $9,541-82.4% |