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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 | $43,824 | $58,577-25.2% | $83,323-47.4% | $64,181-31.7% |
| Participation rate | 100.0% | 72.0%+28.0pp | 77.8%+22.2pp | 69.6%+30.4pp |
| Annual return | -10.52% | 9.65%-20.2pp | 10.63%-21.2pp | 7.63%-18.2pp |
| Employer contribution / active EE | $6,091 | $2,098+190.3% | $3,379+80.3% | $2,381+155.9% |
| Participant deferral / active EE | $4,548 | $4,654-2.3% | $5,565-18.3% | $3,470+31.1% |
| Admin fee / account holder | $1,097 | $9,275-88.2% | $7,539-85.4% | $4,887-77.5% |