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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 | $13,016 | $49,280-73.6% | $67,313-80.7% | $64,173-79.7% |
| Participation rate | 76.7% | 60.8%+15.9pp | 69.1%+7.6pp | 69.6%+7.1pp |
| Annual return | -10.36% | -1.39%-9.0pp | -4.08%-6.3pp | 7.63%-18.0pp |
| Employer contribution / active EE | $1,896 | $1,668+13.6% | $2,566-26.1% | $2,381-20.4% |
| Participant deferral / active EE | $2,651 | $2,484+6.7% | $3,568-25.7% | $3,470-23.6% |
| Admin fee / account holder | $1,094 | $3,863-71.7% | $4,507-75.7% | $4,887-77.6% |