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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 | $61,910 | $77,816-20.4% | $123,552-49.9% | $64,173-3.5% |
| Participation rate | 93.8% | 74.7%+19.0pp | 82.3%+11.5pp | 69.6%+24.2pp |
| Annual return | -10.59% | 12.49%-23.1pp | 119.20%-129.8pp | 7.63%-18.2pp |
| Employer contribution / active EE | $3,383 | $3,014+12.2% | $4,628-26.9% | $2,381+42.1% |
| Participant deferral / active EE | $9,027 | $5,240+72.3% | $6,426+40.5% | $3,470+160.2% |
| Admin fee / account holder | $499 | $5,519-91.0% | $9,285-94.6% | $4,887-89.8% |