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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 | $20,593 | $52,379-60.7% | $46,225-55.5% | $273,972-92.5% |
| Participation rate | 100.0% | 84.0%+16.0pp | 79.5%+20.5pp | 83.0%+17.0pp |
| Annual return | -1.02% | 7.23%-8.3pp | 7.57%-8.6pp | 41.46%-42.5pp |
| Employer contribution / active EE | $3,626 | $4,226-14.2% | $3,424+5.9% | $4,869-25.5% |
| Participant deferral / active EE | $1,382 | $4,660-70.3% | $3,776-63.4% | $5,287-73.9% |
| Admin fee / account holder | $801 | $4,652-82.8% | $3,519-77.2% | $10,133-92.1% |