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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 | $45,370 | $58,600-22.6% | $83,327-45.6% | $64,173-29.3% |
| Participation rate | 100.0% | 72.0%+28.0pp | 77.8%+22.2pp | 69.6%+30.4pp |
| Annual return | -9.11% | 9.66%-18.8pp | 10.64%-19.7pp | 7.63%-16.7pp |
| Employer contribution / active EE | $3,055 | $2,098+45.6% | $3,379-9.6% | $2,381+28.3% |
| Participant deferral / active EE | $6,792 | $4,656+45.9% | $5,565+22.0% | $3,470+95.8% |
| Admin fee / account holder | $746 | $9,282-92.0% | $7,540-90.1% | $4,887-84.7% |