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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 | $58,130 | $73,019-20.4% | $90,766-36.0% | $68,490-15.1% |
| Participation rate | 74.1% | 70.8%+3.2pp | 75.7%-1.6pp | 67.9%+6.2pp |
| Annual return | -18.85% | -13.81%-5.0pp | -12.16%-6.7pp | -7.85%-11.0pp |
| Employer contribution / active EE | $2,396 | $2,193+9.3% | $2,922-18.0% | $2,597-7.7% |
| Participant deferral / active EE | $6,168 | $3,626+70.1% | $4,565+35.1% | $4,028+53.1% |
| Admin fee / account holder | $2,432 | $5,897-58.7% | $8,446-71.2% | $5,403-55.0% |