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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 | $12,539 | $95,917-86.9% | $79,583-84.2% | $134,545-90.7% |
| Participation rate | 87.5% | 75.0%+12.5pp | 69.5%+18.0pp | 81.2%+6.3pp |
| Annual return | -24.49% | -2.70%-21.8pp | 0.16%-24.7pp | 418.37%-442.9pp |
| Employer contribution / active EE | $3,768 | $3,129+20.4% | $2,414+56.1% | $4,742-20.5% |
| Participant deferral / active EE | $7,767 | $4,694+65.5% | $3,986+94.9% | $6,401+21.3% |
| Admin fee / account holder | $525 | $9,132-94.3% | $6,835-92.3% | $11,431-95.4% |