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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 | $12,678 | $32,037-60.4% | $69,182-81.7% | $62,881-79.8% |
| Participation rate | 74.5% | 43.4%+31.1pp | 55.1%+19.4pp | 69.3%+5.2pp |
| Annual return | -1.24% | 15.16%-16.4pp | -21.93%+20.7pp | 20.14%-21.4pp |
| Employer contribution / active EE | $1,643 | $679+142.0% | $1,206+36.2% | $2,281-28.0% |
| Participant deferral / active EE | $2,060 | $1,185+73.8% | $1,897+8.6% | $3,203-35.7% |
| Admin fee / account holder | $3,115 | $2,608+19.4% | $2,697+15.5% | $4,296-27.5% |