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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 | $13,330 | $49,177-72.9% | $79,467-83.2% | $64,173-79.2% |
| Participation rate | 84.6% | 65.0%+19.6pp | 73.3%+11.3pp | 69.6%+15.0pp |
| Annual return | -8.16% | -1.16%-7.0pp | 718.30%-726.5pp | 7.63%-15.8pp |
| Employer contribution / active EE | $1,878 | $2,076-9.5% | $2,800-32.9% | $2,381-21.1% |
| Participant deferral / active EE | $2,841 | $2,821+0.7% | $3,704-23.3% | $3,470-18.1% |
| Admin fee / account holder | $2,536 | $3,839-33.9% | $5,104-50.3% | $4,887-48.1% |