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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 | $42,455 | $116,462-63.5% | $300,297-85.9% | $116,462-63.5% |
| Participation rate | 90.0% | 74.7%+15.3pp | 83.3%+6.7pp | 74.7%+15.3pp |
| Annual return | -7.45% | 15.65%-23.1pp | 6.06%-13.5pp | 15.65%-23.1pp |
| Employer contribution / active EE | $1,140 | $3,231-64.7% | $4,605-75.2% | $3,231-64.7% |
| Participant deferral / active EE | $2,652 | $3,836-30.9% | $4,511-41.2% | $3,836-30.9% |
| Admin fee / account holder | $1,998 | $12,754-84.3% | $16,510-87.9% | $12,754-84.3% |