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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 | $40,314 | $127,096-68.3% | $105,736-61.9% | $135,380-70.2% |
| Participation rate | 75.0% | 82.7%-7.7pp | 76.3%-1.3pp | 82.6%-7.6pp |
| Annual return | -9.22% | 4.49%-13.7pp | 6.27%-15.5pp | 519.81%-529.0pp |
| Employer contribution / active EE | $1,405 | $4,107-65.8% | $3,268-57.0% | $4,779-70.6% |
| Participant deferral / active EE | $4,929 | $5,064-2.7% | $4,080+20.8% | $5,609-12.1% |
| Admin fee / account holder | $416 | $9,087-95.4% | $6,913-94.0% | $10,828-96.2% |