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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 | $32,160 | $73,019-56.0% | $90,766-64.6% | $68,490-53.0% |
| Participation rate | 87.5% | 70.8%+16.7pp | 75.7%+11.8pp | 67.9%+19.6pp |
| Annual return | -18.87% | -13.81%-5.1pp | -12.16%-6.7pp | -7.85%-11.0pp |
| Employer contribution / active EE | $1,025 | $2,193-53.2% | $2,922-64.9% | $2,597-60.5% |
| Participant deferral / active EE | $3,186 | $3,626-12.1% | $4,565-30.2% | $4,028-20.9% |
| Admin fee / account holder | $790 | $5,897-86.6% | $8,446-90.6% | $5,403-85.4% |