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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 | $28,033 | $110,410-74.6% | $102,437-72.6% | $145,897-80.8% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 8.26% | 24.85%-16.6pp | 24.95%-16.7pp | 552.29%-544.0pp |
| Employer contribution / active EE | $0 | $4,217-100.0% | $3,871-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $2,894 | $5,622-48.5% | $5,060-42.8% | $6,689-56.7% |
| Admin fee / account holder | $2,127 | $9,745-78.2% | $8,388-74.6% | $13,390-84.1% |