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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 | $28,041 | $64,716-56.7% | $112,258-75.0% | $68,495-59.1% |
| Participation rate | 80.0% | 67.2%+12.8pp | 75.1%+4.9pp | 67.9%+12.1pp |
| Annual return | -19.72% | -11.40%-8.3pp | 27.47%-47.2pp | -7.84%-11.9pp |
| Employer contribution / active EE | $2,270 | $2,746-17.4% | $3,636-37.6% | $2,596-12.6% |
| Participant deferral / active EE | $4,432 | $3,565+24.3% | $4,728-6.3% | $4,028+10.1% |
| Admin fee / account holder | $1,153 | $5,232-78.0% | $6,411-82.0% | $5,403-78.7% |