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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 | $61,837 | $64,729-4.5% | $112,263-44.9% | $68,490-9.7% |
| Participation rate | 84.2% | 67.2%+17.1pp | 75.1%+9.1pp | 67.9%+16.3pp |
| Annual return | -21.26% | -11.40%-9.9pp | 27.49%-48.7pp | -7.85%-13.4pp |
| Employer contribution / active EE | $8,953 | $2,746+226.1% | $3,636+146.2% | $2,597+244.8% |
| Participant deferral / active EE | $6,518 | $3,566+82.8% | $4,729+37.8% | $4,028+61.8% |
| Admin fee / account holder | $1,245 | $5,222-76.2% | $6,410-80.6% | $5,403-77.0% |