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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 | $52,651 | $67,411-21.9% | $91,004-42.1% | $70,124-24.9% |
| Participation rate | 100.0% | 71.4%+28.6pp | 75.6%+24.4pp | 69.5%+30.5pp |
| Annual return | 9.16% | -40.16%+49.3pp | 4.60%+4.6pp | 73.14%-64.0pp |
| Employer contribution / active EE | $3,350 | $1,786+87.6% | $2,456+36.4% | $2,342+43.0% |
| Participant deferral / active EE | $1,968 | $2,823-30.3% | $3,548-44.5% | $3,332-40.9% |
| Admin fee / account holder | $318 | $4,236-92.5% | $5,417-94.1% | $4,645-93.2% |