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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 | $26,430 | $56,339-53.1% | $104,301-74.7% | $68,486-61.4% |
| Participation rate | 80.8% | 63.3%+17.5pp | 73.3%+7.5pp | 67.9%+12.9pp |
| Annual return | -21.04% | -9.19%-11.9pp | 24.61%-45.7pp | -7.85%-13.2pp |
| Employer contribution / active EE | $6,891 | $1,960+251.6% | $3,373+104.3% | $2,597+165.4% |
| Participant deferral / active EE | $7,922 | $3,077+157.4% | $4,626+71.3% | $4,028+96.7% |
| Admin fee / account holder | $468 | $4,902-90.5% | $7,340-93.6% | $5,404-91.3% |