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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 | $11,084 | $43,344-74.4% | $59,899-81.5% | $64,173-82.7% |
| Participation rate | 76.3% | 69.2%+7.1pp | 74.7%+1.6pp | 69.6%+6.7pp |
| Annual return | -7.49% | -1.55%-5.9pp | 3.46%-11.0pp | 7.63%-15.1pp |
| Employer contribution / active EE | $1,043 | $2,030-48.6% | $2,723-61.7% | $2,381-56.2% |
| Participant deferral / active EE | $1,892 | $2,547-25.7% | $3,402-44.4% | $3,470-45.5% |
| Admin fee / account holder | $1,623 | $3,008-46.0% | $3,592-54.8% | $4,887-66.8% |