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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 | $27,408 | $54,380-49.6% | $68,509-60.0% | $59,633-54.0% |
| Participation rate | 97.4% | 70.2%+27.2pp | 74.7%+22.6pp | 68.7%+28.7pp |
| Annual return | -3.07% | 2.83%-5.9pp | 8.27%-11.3pp | 2041.45%-2044.5pp |
| Employer contribution / active EE | $4,429 | $1,539+187.9% | $2,278+94.5% | $2,203+101.1% |
| Participant deferral / active EE | $1,916 | $2,643-27.5% | $3,382-43.3% | $3,192-40.0% |
| Admin fee / account holder | $1,100 | $3,885-71.7% | $5,275-79.2% | $4,297-74.4% |