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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 | $36,503 | $77,817-53.1% | $123,553-70.5% | $64,173-43.1% |
| Participation rate | 94.7% | 74.7%+20.0pp | 82.3%+12.4pp | 69.6%+25.2pp |
| Annual return | -9.58% | 12.49%-22.1pp | 119.21%-128.8pp | 7.63%-17.2pp |
| Employer contribution / active EE | $5,512 | $3,014+82.9% | $4,628+19.1% | $2,381+131.5% |
| Participant deferral / active EE | $6,180 | $5,240+17.9% | $6,426-3.8% | $3,470+78.1% |
| Admin fee / account holder | $1,324 | $5,519-76.0% | $9,284-85.7% | $4,887-72.9% |