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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 | $96,122 | $64,729+48.5% | $112,263-14.4% | $68,490+40.3% |
| Participation rate | 72.2% | 67.2%+5.1pp | 75.1%-2.8pp | 67.9%+4.3pp |
| Annual return | -24.88% | -11.40%-13.5pp | 27.49%-52.4pp | -7.85%-17.0pp |
| Employer contribution / active EE | $2,684 | $2,746-2.3% | $3,636-26.2% | $2,597+3.4% |
| Participant deferral / active EE | $6,402 | $3,566+79.6% | $4,729+35.4% | $4,028+59.0% |
| Admin fee / account holder | $1,233 | $5,222-76.4% | $6,410-80.8% | $5,403-77.2% |