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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 | $43,066 | $92,219-53.3% | $76,767-43.9% | $135,380-68.2% |
| Participation rate | 100.0% | 79.8%+20.2pp | 77.0%+23.0pp | 82.6%+17.4pp |
| Annual return | -9.99% | 5.46%-15.5pp | 2.43%-12.4pp | 519.81%-529.8pp |
| Employer contribution / active EE | $1,333 | $3,216-58.6% | $2,485-46.4% | $4,779-72.1% |
| Participant deferral / active EE | $4,667 | $4,508+3.5% | $3,852+21.2% | $5,609-16.8% |
| Admin fee / account holder | $2,485 | $10,749-76.9% | $6,675-62.8% | $10,828-77.1% |