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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 | $55,871 | $77,817-28.2% | $123,553-54.8% | $64,173-12.9% |
| Participation rate | 83.0% | 74.7%+8.3pp | 82.3%+0.7pp | 69.6%+13.4pp |
| Annual return | -8.15% | 12.49%-20.6pp | 119.21%-127.4pp | 7.63%-15.8pp |
| Employer contribution / active EE | $1,614 | $3,014-46.5% | $4,628-65.1% | $2,381-32.2% |
| Participant deferral / active EE | $3,059 | $5,240-41.6% | $6,426-52.4% | $3,470-11.8% |
| Admin fee / account holder | $2,702 | $5,519-51.0% | $9,284-70.9% | $4,887-44.7% |