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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 | $49,972 | $81,870-39.0% | $119,622-58.2% | $68,486-27.0% |
| Participation rate | 76.9% | 71.9%+5.0pp | 79.3%-2.3pp | 67.9%+9.0pp |
| Annual return | -39.80% | -23.82%-16.0pp | -14.98%-24.8pp | -7.85%-31.9pp |
| Employer contribution / active EE | $2,056 | $2,692-23.6% | $4,232-51.4% | $2,597-20.8% |
| Participant deferral / active EE | $4,330 | $4,148+4.4% | $5,601-22.7% | $4,028+7.5% |
| Admin fee / account holder | $2,130 | $6,583-67.6% | $10,328-79.4% | $5,404-60.6% |