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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 | $227,272 | $181,896+24.9% | $156,551+45.2% | $273,972-17.0% |
| Participation rate | 100.0% | 88.4%+11.6pp | 84.0%+16.0pp | 83.0%+17.0pp |
| Annual return | -1.38% | 30.74%-32.1pp | 32.23%-33.6pp | 41.46%-42.8pp |
| Employer contribution / active EE | $1,997 | $6,248-68.0% | $5,501-63.7% | $4,869-59.0% |
| Participant deferral / active EE | $3,688 | $5,550-33.5% | $4,871-24.3% | $5,287-30.2% |
| Admin fee / account holder | $6,097 | $15,560-60.8% | $13,028-53.2% | $10,133-39.8% |