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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 | $31,066 | $39,132-20.6% | $57,196-45.7% | $62,881-50.6% |
| Participation rate | 85.2% | 70.5%+14.7pp | 75.3%+9.9pp | 69.3%+15.9pp |
| Annual return | -2.44% | 9.24%-11.7pp | 14.59%-17.0pp | 20.14%-22.6pp |
| Employer contribution / active EE | $4,610 | $1,874+146.0% | $2,683+71.8% | $2,281+102.1% |
| Participant deferral / active EE | $1,744 | $2,374-26.5% | $3,096-43.7% | $3,203-45.5% |
| Admin fee / account holder | $1,075 | $2,594-58.5% | $3,141-65.8% | $4,296-75.0% |