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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 | $55,353 | $77,817-28.9% | $123,553-55.2% | $64,173-13.7% |
| Participation rate | 97.1% | 74.7%+22.3pp | 82.3%+14.8pp | 69.6%+27.5pp |
| Annual return | -9.30% | 12.49%-21.8pp | 119.21%-128.5pp | 7.63%-16.9pp |
| Employer contribution / active EE | $1,963 | $3,014-34.9% | $4,628-57.6% | $2,381-17.6% |
| Participant deferral / active EE | $4,358 | $5,240-16.8% | $6,426-32.2% | $3,470+25.6% |
| Admin fee / account holder | $302 | $5,519-94.5% | $9,284-96.7% | $4,887-93.8% |