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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 | $26,640 | $64,719-58.8% | $112,249-76.3% | $68,486-61.1% |
| Participation rate | 75.0% | 67.2%+7.8pp | 75.1%-0.1pp | 67.9%+7.1pp |
| Annual return | -21.41% | -11.40%-10.0pp | 27.48%-48.9pp | -7.85%-13.6pp |
| Employer contribution / active EE | $3,088 | $2,747+12.4% | $3,636-15.1% | $2,597+18.9% |
| Participant deferral / active EE | $5,751 | $3,565+61.3% | $4,729+21.6% | $4,028+42.8% |
| Admin fee / account holder | $1,284 | $5,232-75.5% | $6,412-80.0% | $5,404-76.2% |