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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 | $39,745 | $86,701-54.2% | $73,309-45.8% | $125,389-68.3% |
| Participation rate | 100.0% | 78.6%+21.4pp | 74.9%+25.1pp | 83.2%+16.8pp |
| Annual return | -7.09% | 2.78%-9.9pp | 5.67%-12.8pp | 282.24%-289.3pp |
| Employer contribution / active EE | $11,606 | $4,152+179.5% | $3,237+258.5% | $4,866+138.5% |
| Participant deferral / active EE | $5,216 | $5,549-6.0% | $4,991+4.5% | $5,352-2.5% |
| Admin fee / account holder | $1,446 | $7,768-81.4% | $5,635-74.3% | $9,541-84.8% |