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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 | $85,447 | $65,704+30.0% | $94,229-9.3% | $59,633+43.3% |
| Participation rate | 87.1% | 72.1%+15.0pp | 78.8%+8.3pp | 68.7%+18.4pp |
| Annual return | -2.52% | 5.22%-7.7pp | 10.68%-13.2pp | 2041.45%-2044.0pp |
| Employer contribution / active EE | $2,376 | $2,021+17.6% | $3,587-33.8% | $2,203+7.9% |
| Participant deferral / active EE | $5,323 | $3,143+69.3% | $4,320+23.2% | $3,192+66.8% |
| Admin fee / account holder | $3,306 | $4,265-22.5% | $6,269-47.3% | $4,297-23.1% |