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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 | $49,495 | $72,404-31.6% | $110,243-55.1% | $64,173-22.9% |
| Participation rate | 100.0% | 73.3%+26.7pp | 79.8%+20.2pp | 69.6%+30.4pp |
| Annual return | -7.71% | -6.29%-1.4pp | 314.76%-322.5pp | 7.63%-15.3pp |
| Employer contribution / active EE | $3,008 | $2,282+31.8% | $3,827-21.4% | $2,381+26.3% |
| Participant deferral / active EE | $9,506 | $3,469+174.0% | $4,672+103.5% | $3,470+174.0% |
| Admin fee / account holder | $1,220 | $5,664-78.5% | $8,548-85.7% | $4,887-75.0% |