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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 | $45,469 | $78,694-42.2% | $67,652-32.8% | $125,389-63.7% |
| Participation rate | 87.0% | 78.8%+8.2pp | 75.7%+11.3pp | 83.2%+3.8pp |
| Annual return | -4.34% | 9.46%-13.8pp | 6625.40%-6629.7pp | 282.24%-286.6pp |
| Employer contribution / active EE | $2,182 | $3,044-28.3% | $2,266-3.7% | $4,866-55.2% |
| Participant deferral / active EE | $5,142 | $4,292+19.8% | $3,560+44.4% | $5,352-3.9% |
| Admin fee / account holder | $3,801 | $7,403-48.7% | $4,821-21.2% | $9,541-60.2% |