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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 | $44,701 | $96,558-53.7% | $80,977-44.8% | $273,972-83.7% |
| Participation rate | 100.0% | 79.1%+20.9pp | 75.8%+24.2pp | 83.0%+17.0pp |
| Annual return | -0.62% | 15.14%-15.8pp | 17.11%-17.7pp | 41.46%-42.1pp |
| Employer contribution / active EE | $3,423 | $4,869-29.7% | $3,715-7.9% | $4,869-29.7% |
| Participant deferral / active EE | $14,399 | $6,598+118.3% | $5,696+152.8% | $5,287+172.3% |
| Admin fee / account holder | $592 | $7,493-92.1% | $5,517-89.3% | $10,133-94.2% |