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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 | $64,083 | $77,816-17.6% | $123,552-48.1% | $64,173-0.1% |
| Participation rate | 76.1% | 74.7%+1.4pp | 82.3%-6.2pp | 69.6%+6.5pp |
| Annual return | -8.92% | 12.49%-21.4pp | 119.20%-128.1pp | 7.63%-16.6pp |
| Employer contribution / active EE | $3,290 | $3,014+9.2% | $4,628-28.9% | $2,381+38.2% |
| Participant deferral / active EE | $8,006 | $5,240+52.8% | $6,426+24.6% | $3,470+130.7% |
| Admin fee / account holder | $386 | $5,519-93.0% | $9,285-95.8% | $4,887-92.1% |