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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 | $46,146 | $62,583-26.3% | $76,767-39.9% | $64,173-28.1% |
| Participation rate | 97.0% | 72.8%+24.2pp | 77.0%+20.0pp | 69.6%+27.4pp |
| Annual return | -13.76% | -1.95%-11.8pp | 2.43%-16.2pp | 7.63%-21.4pp |
| Employer contribution / active EE | $1,449 | $1,832-20.9% | $2,485-41.7% | $2,381-39.1% |
| Participant deferral / active EE | $8,038 | $3,145+155.6% | $3,852+108.7% | $3,470+131.7% |
| Admin fee / account holder | $1,343 | $4,667-71.2% | $6,675-79.9% | $4,887-72.5% |