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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 | $10,727 | $73,863-85.5% | $143,797-92.5% | $68,490-84.3% |
| Participation rate | 86.7% | 66.7%+20.0pp | 80.3%+6.3pp | 67.9%+18.8pp |
| Annual return | -21.68% | 0.91%-22.6pp | -0.04%-21.6pp | -7.85%-13.8pp |
| Employer contribution / active EE | $1,638 | $3,185-48.6% | $4,952-66.9% | $2,597-36.9% |
| Participant deferral / active EE | $3,116 | $3,385-8.0% | $5,638-44.7% | $4,028-22.6% |
| Admin fee / account holder | $380 | $5,756-93.4% | $14,679-97.4% | $5,403-93.0% |