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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 | $65,557 | $127,386-48.5% | $115,037-43.0% | $125,388-47.7% |
| Participation rate | 85.7% | 84.2%+1.6pp | 81.4%+4.3pp | 83.2%+2.5pp |
| Annual return | -9.53% | 31.28%-40.8pp | 26.14%-35.7pp | 282.24%-291.8pp |
| Employer contribution / active EE | $1,822 | $5,166-64.7% | $4,608-60.5% | $4,866-62.6% |
| Participant deferral / active EE | $5,921 | $6,423-7.8% | $6,026-1.7% | $5,352+10.6% |
| Admin fee / account holder | $5,901 | $9,516-38.0% | $8,175-27.8% | $9,541-38.2% |