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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 | $75,016 | $50,947+47.2% | $74,551+0.6% | $64,173+16.9% |
| Participation rate | 71.7% | 61.1%+10.6pp | 69.1%+2.6pp | 69.6%+2.1pp |
| Annual return | -8.34% | -1.85%-6.5pp | 32.53%-40.9pp | 7.63%-16.0pp |
| Employer contribution / active EE | $0 | $1,115-100.0% | $1,961-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $2,328 | $2,302+1.2% | $3,108-25.1% | $3,470-32.9% |
| Admin fee / account holder | $1,019 | $4,221-75.9% | $5,059-79.9% | $4,887-79.2% |