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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 | $42,519 | $72,273-41.2% | $101,275-58.0% | $79,856-46.8% |
| Participation rate | 100.0% | 68.5%+31.5pp | 75.8%+24.2pp | 69.6%+30.4pp |
| Annual return | -7.18% | 22.30%-29.5pp | 46.48%-53.7pp | 31.71%-38.9pp |
| Employer contribution / active EE | $1,776 | $2,691-34.0% | $3,660-51.5% | $2,471-28.1% |
| Participant deferral / active EE | $2,579 | $3,282-21.4% | $4,371-41.0% | $3,741-31.1% |
| Admin fee / account holder | $3,807 | $4,401-13.5% | $5,948-36.0% | $5,306-28.3% |