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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 | $79,154 | $73,839+7.2% | $143,788-45.0% | $68,495+15.6% |
| Participation rate | 76.7% | 66.7%+10.0pp | 80.3%-3.6pp | 67.9%+8.8pp |
| Annual return | -21.88% | 1.01%-22.9pp | -0.03%-21.8pp | -7.84%-14.0pp |
| Employer contribution / active EE | $2,022 | $3,184-36.5% | $4,952-59.2% | $2,596-22.1% |
| Participant deferral / active EE | $6,327 | $3,384+87.0% | $5,638+12.2% | $4,028+57.1% |
| Admin fee / account holder | $332 | $5,755-94.2% | $14,675-97.7% | $5,403-93.9% |