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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 | $55,390 | $77,817-28.8% | $123,553-55.2% | $64,173-13.7% |
| Participation rate | 95.8% | 74.7%+21.1pp | 82.3%+13.5pp | 69.6%+26.3pp |
| Annual return | -12.90% | 12.49%-25.4pp | 119.21%-132.1pp | 7.63%-20.5pp |
| Employer contribution / active EE | $3,639 | $3,014+20.7% | $4,628-21.4% | $2,381+52.8% |
| Participant deferral / active EE | $7,434 | $5,240+41.9% | $6,426+15.7% | $3,470+114.3% |
| Admin fee / account holder | $1,487 | $5,519-73.1% | $9,284-84.0% | $4,887-69.6% |