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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 | $160,502 | $167,522-4.2% | $151,639+5.8% | $134,532+19.3% |
| Participation rate | 100.0% | 88.4%+11.6pp | 87.5%+12.5pp | 81.2%+18.8pp |
| Annual return | -21.46% | 7.81%-29.3pp | 3.34%-24.8pp | 418.27%-439.7pp |
| Employer contribution / active EE | $3,565 | $6,828-47.8% | $6,165-42.2% | $4,741-24.8% |
| Participant deferral / active EE | $9,357 | $8,986+4.1% | $8,363+11.9% | $6,401+46.2% |
| Admin fee / account holder | $2,174 | $13,780-84.2% | $11,613-81.3% | $11,429-81.0% |