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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 | $11,836 | $73,848-84.0% | $143,799-91.8% | $68,486-82.7% |
| Participation rate | 90.0% | 66.7%+23.3pp | 80.3%+9.7pp | 67.9%+22.1pp |
| Annual return | -21.30% | 0.91%-22.2pp | -0.04%-21.3pp | -7.85%-13.4pp |
| Employer contribution / active EE | $2,845 | $3,184-10.7% | $4,952-42.6% | $2,597+9.6% |
| Participant deferral / active EE | $4,928 | $3,385+45.6% | $5,638-12.6% | $4,028+22.4% |
| Admin fee / account holder | $2,070 | $5,755-64.0% | $14,677-85.9% | $5,404-61.7% |