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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 | $57,460 | $59,819-3.9% | $79,583-27.8% | $68,490-16.1% |
| Participation rate | 90.9% | 61.1%+29.8pp | 69.5%+21.4pp | 67.9%+23.0pp |
| Annual return | -19.66% | -12.30%-7.4pp | 0.16%-19.8pp | -7.85%-11.8pp |
| Employer contribution / active EE | $6,614 | $1,505+339.4% | $2,414+174.0% | $2,597+154.7% |
| Participant deferral / active EE | $5,479 | $3,025+81.1% | $3,986+37.5% | $4,028+36.0% |
| Admin fee / account holder | $1,351 | $4,835-72.1% | $6,835-80.2% | $5,403-75.0% |