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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 | $53,628 | $49,280+8.8% | $67,313-20.3% | $64,173-16.4% |
| Participation rate | 96.0% | 60.8%+35.2pp | 69.1%+26.9pp | 69.6%+26.4pp |
| Annual return | -9.29% | -1.39%-7.9pp | -4.08%-5.2pp | 7.63%-16.9pp |
| Employer contribution / active EE | $6,518 | $1,668+290.7% | $2,566+154.1% | $2,381+173.8% |
| Participant deferral / active EE | $3,466 | $2,484+39.5% | $3,568-2.9% | $3,470-0.1% |
| Admin fee / account holder | $522 | $3,863-86.5% | $4,507-88.4% | $4,887-89.3% |