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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 | $15,049 | $77,908-80.7% | $149,696-89.9% | $75,173-80.0% |
| Participation rate | 70.6% | 65.6%+5.0pp | 78.8%-8.2pp | 67.2%+3.4pp |
| Annual return | 6.83% | 31.73%-24.9pp | 134.46%-127.6pp | 160.72%-153.9pp |
| Employer contribution / active EE | $1,652 | $3,138-47.3% | $4,821-65.7% | $2,671-38.1% |
| Participant deferral / active EE | $936 | $3,411-72.6% | $5,682-83.5% | $4,126-77.3% |
| Admin fee / account holder | $826 | $5,950-86.1% | $13,212-93.7% | $5,651-85.4% |