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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 | $73,349 | $127,386-42.4% | $115,037-36.2% | $125,388-41.5% |
| Participation rate | 87.5% | 84.2%+3.3pp | 81.4%+6.1pp | 83.2%+4.3pp |
| Annual return | -3.80% | 31.28%-35.1pp | 26.14%-29.9pp | 282.24%-286.0pp |
| Employer contribution / active EE | $2,520 | $5,166-51.2% | $4,608-45.3% | $4,866-48.2% |
| Participant deferral / active EE | $6,590 | $6,423+2.6% | $6,026+9.4% | $5,352+23.1% |
| Admin fee / account holder | $570 | $9,516-94.0% | $8,175-93.0% | $9,541-94.0% |