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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 | $84,444 | $181,896-53.6% | $156,551-46.1% | $273,972-69.2% |
| Participation rate | 100.0% | 88.4%+11.6pp | 84.0%+16.0pp | 83.0%+17.0pp |
| Annual return | -6.50% | 30.74%-37.2pp | 32.23%-38.7pp | 41.46%-48.0pp |
| Employer contribution / active EE | $4,439 | $6,248-29.0% | $5,501-19.3% | $4,869-8.8% |
| Participant deferral / active EE | $5,524 | $5,550-0.5% | $4,871+13.4% | $5,287+4.5% |
| Admin fee / account holder | $470 | $15,560-97.0% | $13,028-96.4% | $10,133-95.4% |