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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 | $37,534 | $103,008-63.6% | $90,304-58.4% | $152,897-75.5% |
| Participation rate | 100.0% | 75.9%+24.1pp | 73.3%+26.7pp | 82.5%+17.5pp |
| Annual return | 1.08% | 95.22%-94.1pp | 78.13%-77.1pp | 345.43%-344.4pp |
| Employer contribution / active EE | $1,918 | $3,139-38.9% | $2,855-32.8% | $4,764-59.7% |
| Participant deferral / active EE | $1,165 | $4,281-72.8% | $3,885-70.0% | $5,851-80.1% |
| Admin fee / account holder | $5,174 | $6,175-16.2% | $5,354-3.4% | $11,599-55.4% |