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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 | $83,753 | $72,177+16.0% | $115,037-27.2% | $59,633+40.4% |
| Participation rate | 100.0% | 72.6%+27.4pp | 81.4%+18.6pp | 68.7%+31.3pp |
| Annual return | -3.79% | 12.02%-15.8pp | 26.14%-29.9pp | 2041.40%-2045.2pp |
| Employer contribution / active EE | $3,047 | $2,841+7.2% | $4,608-33.9% | $2,203+38.3% |
| Participant deferral / active EE | $6,500 | $4,783+35.9% | $6,026+7.9% | $3,192+103.7% |
| Admin fee / account holder | $2,122 | $4,927-56.9% | $8,175-74.0% | $4,297-50.6% |