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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 | $31,341 | $50,947-38.5% | $74,551-58.0% | $64,173-51.2% |
| Participation rate | 100.0% | 61.1%+38.9pp | 69.1%+30.9pp | 69.6%+30.4pp |
| Annual return | -9.81% | -1.85%-8.0pp | 32.53%-42.3pp | 7.63%-17.4pp |
| Employer contribution / active EE | $2,778 | $1,115+149.0% | $1,961+41.6% | $2,381+16.7% |
| Participant deferral / active EE | $2,459 | $2,302+6.9% | $3,108-20.9% | $3,470-29.1% |
| Admin fee / account holder | $1,166 | $4,221-72.4% | $5,059-77.0% | $4,887-76.1% |