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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 | $21,071 | $52,678-60.0% | $75,784-72.2% | $59,633-64.7% |
| Participation rate | 83.3% | 67.2%+16.1pp | 75.8%+7.5pp | 68.7%+14.7pp |
| Annual return | -4.63% | 2.95%-7.6pp | 9.68%-14.3pp | 2041.45%-2046.1pp |
| Employer contribution / active EE | $4,314 | $2,193+96.7% | $3,323+29.8% | $2,203+95.9% |
| Participant deferral / active EE | $2,364 | $2,591-8.8% | $3,652-35.3% | $3,192-25.9% |
| Admin fee / account holder | $1,703 | $3,610-52.8% | $5,300-67.9% | $4,297-60.4% |