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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 | $71,384 | $64,729+10.3% | $112,263-36.4% | $68,490+4.2% |
| Participation rate | 96.7% | 67.2%+29.5pp | 75.1%+21.6pp | 67.9%+28.8pp |
| Annual return | -20.06% | -11.40%-8.7pp | 27.49%-47.6pp | -7.85%-12.2pp |
| Employer contribution / active EE | $1,907 | $2,746-30.6% | $3,636-47.6% | $2,597-26.6% |
| Participant deferral / active EE | $2,392 | $3,566-32.9% | $4,729-49.4% | $4,028-40.6% |
| Admin fee / account holder | $2,208 | $5,222-57.7% | $6,410-65.5% | $5,403-59.1% |