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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 | $180,076 | $99,345+81.3% | $84,753+112.5% | $273,972-34.3% |
| Participation rate | 100.0% | 80.7%+19.3pp | 76.6%+23.4pp | 83.0%+17.0pp |
| Annual return | -4.37% | 22.93%-27.3pp | 22.78%-27.1pp | 41.46%-45.8pp |
| Employer contribution / active EE | $4,240 | $4,214+0.6% | $3,574+18.6% | $4,869-12.9% |
| Participant deferral / active EE | $6,955 | $4,270+62.9% | $3,712+87.4% | $5,287+31.5% |
| Admin fee / account holder | $3,608 | $6,645-45.7% | $5,333-32.3% | $10,133-64.4% |