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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 | $40,419 | $81,870-50.6% | $119,634-66.2% | $68,490-41.0% |
| Participation rate | 80.6% | 71.9%+8.8pp | 79.3%+1.4pp | 67.9%+12.7pp |
| Annual return | -19.09% | -23.82%+4.7pp | -14.98%-4.1pp | -7.85%-11.2pp |
| Employer contribution / active EE | $2,388 | $2,692-11.3% | $4,232-43.6% | $2,597-8.0% |
| Participant deferral / active EE | $4,301 | $4,148+3.7% | $5,601-23.2% | $4,028+6.8% |
| Admin fee / account holder | $604 | $6,583-90.8% | $10,329-94.2% | $5,403-88.8% |