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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 | $100,669 | $136,307-26.1% | $106,619-5.6% | $273,972-63.3% |
| Participation rate | 94.4% | 84.8%+9.7pp | 78.0%+16.4pp | 83.0%+11.4pp |
| Annual return | -9.09% | 11.05%-20.1pp | 9.42%-18.5pp | 41.46%-50.5pp |
| Employer contribution / active EE | $5,556 | $5,190+7.0% | $3,947+40.8% | $4,869+14.1% |
| Participant deferral / active EE | $4,478 | $4,969-9.9% | $3,930+13.9% | $5,287-15.3% |
| Admin fee / account holder | $4,775 | $8,625-44.6% | $6,418-25.6% | $10,133-52.9% |