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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 | $37,307 | $77,817-52.1% | $123,553-69.8% | $64,173-41.9% |
| Participation rate | 95.0% | 74.7%+20.3pp | 82.3%+12.7pp | 69.6%+25.4pp |
| Annual return | -10.58% | 12.49%-23.1pp | 119.21%-129.8pp | 7.63%-18.2pp |
| Employer contribution / active EE | $3,564 | $3,014+18.3% | $4,628-23.0% | $2,381+49.7% |
| Participant deferral / active EE | $5,782 | $5,240+10.3% | $6,426-10.0% | $3,470+66.6% |
| Admin fee / account holder | $3,485 | $5,519-36.9% | $9,284-62.5% | $4,887-28.7% |