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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 | $116,178 | $81,870+41.9% | $119,622-2.9% | $68,486+69.6% |
| Participation rate | 72.0% | 71.9%+0.1pp | 79.3%-7.3pp | 67.9%+4.1pp |
| Annual return | -23.93% | -23.82%-0.1pp | -14.98%-8.9pp | -7.85%-16.1pp |
| Employer contribution / active EE | $2,445 | $2,692-9.2% | $4,232-42.2% | $2,597-5.8% |
| Participant deferral / active EE | $5,935 | $4,148+43.1% | $5,601+6.0% | $4,028+47.4% |
| Admin fee / account holder | $320 | $6,583-95.1% | $10,328-96.9% | $5,404-94.1% |