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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 | $36,764 | $72,177-49.1% | $115,038-68.0% | $59,633-38.3% |
| Participation rate | 84.6% | 72.6%+12.1pp | 81.4%+3.2pp | 68.7%+15.9pp |
| Annual return | -2.54% | 12.02%-14.6pp | 26.14%-28.7pp | 2041.45%-2044.0pp |
| Employer contribution / active EE | $2,329 | $2,841-18.0% | $4,608-49.5% | $2,203+5.7% |
| Participant deferral / active EE | $6,271 | $4,783+31.1% | $6,026+4.1% | $3,192+96.5% |
| Admin fee / account holder | $3,258 | $4,927-33.9% | $8,175-60.2% | $4,297-24.2% |