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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 | $56,114 | $77,817-27.9% | $123,553-54.6% | $64,173-12.6% |
| Participation rate | 82.1% | 74.7%+7.3pp | 82.3%-0.2pp | 69.6%+12.5pp |
| Annual return | -10.23% | 12.49%-22.7pp | 119.21%-129.4pp | 7.63%-17.9pp |
| Employer contribution / active EE | $5,724 | $3,014+89.9% | $4,628+23.7% | $2,381+140.4% |
| Participant deferral / active EE | $5,814 | $5,240+11.0% | $6,426-9.5% | $3,470+67.6% |
| Admin fee / account holder | $513 | $5,519-90.7% | $9,284-94.5% | $4,887-89.5% |