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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 | $30,937 | $76,551-59.6% | $123,894-75.0% | $62,881-50.8% |
| Participation rate | 100.0% | 73.0%+27.0pp | 81.4%+18.6pp | 69.3%+30.7pp |
| Annual return | 3.40% | 18.68%-15.3pp | 47.52%-44.1pp | 20.14%-16.7pp |
| Employer contribution / active EE | $7,903 | $2,882+174.2% | $4,617+71.2% | $2,281+246.5% |
| Participant deferral / active EE | $0 | $4,840-100.0% | $5,984-100.0% | $3,203-100.0% |
| Admin fee / account holder | $634 | $4,826-86.9% | $8,357-92.4% | $4,296-85.2% |