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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 | $76,373 | $118,877-35.8% | $96,570-20.9% | $167,536-54.4% |
| Participation rate | 100.0% | 75.5%+24.5pp | 69.8%+30.2pp | 82.1%+17.9pp |
| Annual return | -3.02% | 50.50%-53.5pp | 37.79%-40.8pp | 478.82%-481.8pp |
| Employer contribution / active EE | $5,457 | $3,121+74.9% | $2,357+131.5% | $4,839+12.8% |
| Participant deferral / active EE | $1,280 | $4,617-72.3% | $3,849-66.8% | $6,342-79.8% |
| Admin fee / account holder | $1,692 | $8,069-79.0% | $6,182-72.6% | $12,315-86.3% |