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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 | $22,540 | $103,387-78.2% | $87,102-74.1% | $152,885-85.3% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.9%+23.1pp | 82.5%+17.5pp |
| Annual return | 2.85% | 28.10%-25.2pp | 28.19%-25.3pp | 345.39%-342.5pp |
| Employer contribution / active EE | $5,689 | $3,221+76.6% | $2,521+125.6% | $4,763+19.4% |
| Participant deferral / active EE | $4,753 | $4,778-0.5% | $4,048+17.4% | $5,851-18.8% |
| Admin fee / account holder | $4,777 | $12,193-60.8% | $7,491-36.2% | $11,598-58.8% |