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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 | $33,821 | $50,947-33.6% | $74,549-54.6% | $64,173-47.3% |
| Participation rate | 81.3% | 61.1%+20.2pp | 69.1%+12.1pp | 69.6%+11.7pp |
| Annual return | -8.61% | -1.85%-6.8pp | 32.53%-41.1pp | 7.63%-16.2pp |
| Employer contribution / active EE | $1,202 | $1,115+7.8% | $1,961-38.7% | $2,381-49.5% |
| Participant deferral / active EE | $2,903 | $2,302+26.2% | $3,108-6.6% | $3,470-16.3% |
| Admin fee / account holder | $3,705 | $4,221-12.2% | $5,059-26.8% | $4,887-24.2% |