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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 | $92,138 | $73,848+24.8% | $143,799-35.9% | $68,486+34.5% |
| Participation rate | 74.1% | 66.7%+7.4pp | 80.3%-6.2pp | 67.9%+6.2pp |
| Annual return | -19.56% | 0.91%-20.5pp | -0.04%-19.5pp | -7.85%-11.7pp |
| Employer contribution / active EE | $2,030 | $3,184-36.2% | $4,952-59.0% | $2,597-21.8% |
| Participant deferral / active EE | $3,400 | $3,385+0.5% | $5,638-39.7% | $4,028-15.6% |
| Admin fee / account holder | $386 | $5,755-93.3% | $14,677-97.4% | $5,404-92.9% |