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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 | $20,373 | $83,908-75.7% | $68,509-70.3% | $125,389-83.8% |
| Participation rate | 73.9% | 78.2%-4.3pp | 74.7%-0.8pp | 83.2%-9.3pp |
| Annual return | -4.18% | 14.48%-18.7pp | 8.27%-12.5pp | 282.24%-286.4pp |
| Employer contribution / active EE | $1,477 | $3,031-51.3% | $2,278-35.2% | $4,866-69.7% |
| Participant deferral / active EE | $2,334 | $4,125-43.4% | $3,382-31.0% | $5,352-56.4% |
| Admin fee / account holder | $845 | $8,982-90.6% | $5,275-84.0% | $9,541-91.1% |