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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 | $90,023 | $73,863+21.9% | $143,797-37.4% | $68,490+31.4% |
| Participation rate | 88.9% | 66.7%+22.2pp | 80.3%+8.6pp | 67.9%+21.0pp |
| Annual return | -21.00% | 0.91%-21.9pp | -0.04%-21.0pp | -7.85%-13.1pp |
| Employer contribution / active EE | $3,506 | $3,185+10.1% | $4,952-29.2% | $2,597+35.0% |
| Participant deferral / active EE | $4,989 | $3,385+47.4% | $5,638-11.5% | $4,028+23.9% |
| Admin fee / account holder | $372 | $5,756-93.5% | $14,679-97.5% | $5,403-93.1% |