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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 | $187,563 | $81,870+129.1% | $119,634+56.8% | $68,490+173.9% |
| Participation rate | 74.4% | 71.9%+2.5pp | 79.3%-4.9pp | 67.9%+6.5pp |
| Annual return | -19.45% | -23.82%+4.4pp | -14.98%-4.5pp | -7.85%-11.6pp |
| Employer contribution / active EE | $2,818 | $2,692+4.7% | $4,232-33.4% | $2,597+8.5% |
| Participant deferral / active EE | $6,875 | $4,148+65.7% | $5,601+22.7% | $4,028+70.7% |
| Admin fee / account holder | $11,185 | $6,583+69.9% | $10,329+8.3% | $5,403+107.0% |