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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 | $47,946 | $72,177-33.6% | $115,038-58.3% | $59,633-19.6% |
| Participation rate | 93.0% | 72.6%+20.5pp | 81.4%+11.7pp | 68.7%+24.4pp |
| Annual return | -2.49% | 12.02%-14.5pp | 26.14%-28.6pp | 2041.45%-2043.9pp |
| Employer contribution / active EE | $3,678 | $2,841+29.5% | $4,608-20.2% | $2,203+67.0% |
| Participant deferral / active EE | $4,078 | $4,783-14.7% | $6,026-32.3% | $3,192+27.8% |
| Admin fee / account holder | $410 | $4,927-91.7% | $8,175-95.0% | $4,297-90.5% |