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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 | $53,598 | $110,083-51.3% | $151,645-64.7% | $68,490-21.7% |
| Participation rate | 72.1% | 84.0%-11.9pp | 87.5%-15.4pp | 67.9%+4.2pp |
| Annual return | -25.65% | -10.12%-15.5pp | 3.34%-29.0pp | -7.85%-17.8pp |
| Employer contribution / active EE | $2,234 | $4,470-50.0% | $6,165-63.8% | $2,597-14.0% |
| Participant deferral / active EE | $7,307 | $6,526+12.0% | $8,363-12.6% | $4,028+81.4% |
| Admin fee / account holder | $941 | $7,718-87.8% | $11,614-91.9% | $5,403-82.6% |