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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 | $34,038 | $100,911-66.3% | $90,440-62.4% | $158,966-78.6% |
| Participation rate | 78.9% | 75.0%+3.9pp | 72.7%+6.3pp | 82.0%-3.0pp |
| Annual return | 2.90% | 1726.62%-1723.7pp | 1294.38%-1291.5pp | 302.95%-300.0pp |
| Employer contribution / active EE | $2,286 | $3,690-38.1% | $3,263-29.9% | $4,762-52.0% |
| Participant deferral / active EE | $5,707 | $4,348+31.2% | $3,964+44.0% | $5,983-4.6% |
| Admin fee / account holder | $381 | $6,507-94.1% | $5,615-93.2% | $11,250-96.6% |