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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 | $31,795 | $48,267-34.1% | $68,808-53.8% | $68,486-53.6% |
| Participation rate | 100.0% | 60.7%+39.3pp | 69.0%+31.0pp | 67.9%+32.1pp |
| Annual return | -19.94% | -12.70%-7.2pp | -6.37%-13.6pp | -7.85%-12.1pp |
| Employer contribution / active EE | $7,731 | $1,829+322.7% | $2,656+191.1% | $2,597+197.7% |
| Participant deferral / active EE | $4,797 | $2,867+67.3% | $3,942+21.7% | $4,028+19.1% |
| Admin fee / account holder | $581 | $4,362-86.7% | $4,936-88.2% | $5,404-89.2% |