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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 | $57,626 | $85,790-32.8% | $67,313-14.4% | $135,379-57.4% |
| Participation rate | 100.0% | 76.5%+23.5pp | 69.1%+30.9pp | 82.6%+17.4pp |
| Annual return | -12.31% | -0.54%-11.8pp | -4.08%-8.2pp | 519.79%-532.1pp |
| Employer contribution / active EE | $3,907 | $3,487+12.0% | $2,566+52.3% | $4,779-18.2% |
| Participant deferral / active EE | $3,497 | $4,651-24.8% | $3,568-2.0% | $5,609-37.7% |
| Admin fee / account holder | $540 | $6,392-91.5% | $4,507-88.0% | $10,828-95.0% |