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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 | $14,505 | $73,848-80.4% | $143,799-89.9% | $68,486-78.8% |
| Participation rate | 92.3% | 66.7%+25.6pp | 80.3%+12.0pp | 67.9%+24.4pp |
| Annual return | -25.46% | 0.91%-26.4pp | -0.04%-25.4pp | -7.85%-17.6pp |
| Employer contribution / active EE | $2,862 | $3,184-10.1% | $4,952-42.2% | $2,597+10.2% |
| Participant deferral / active EE | $1,902 | $3,385-43.8% | $5,638-66.3% | $4,028-52.8% |
| Admin fee / account holder | $429 | $5,755-92.5% | $14,677-97.1% | $5,404-92.1% |