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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 | $23,038 | $86,701-73.4% | $73,309-68.6% | $125,389-81.6% |
| Participation rate | 92.3% | 78.6%+13.7pp | 74.9%+17.4pp | 83.2%+9.1pp |
| Annual return | -6.02% | 2.78%-8.8pp | 5.67%-11.7pp | 282.24%-288.3pp |
| Employer contribution / active EE | $6,882 | $4,152+65.7% | $3,237+112.6% | $4,866+41.4% |
| Participant deferral / active EE | $4,378 | $5,549-21.1% | $4,991-12.3% | $5,352-18.2% |
| Admin fee / account holder | $302 | $7,768-96.1% | $5,635-94.6% | $9,541-96.8% |