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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 | $73,370 | $135,956-46.0% | $123,894-40.8% | $273,972-73.2% |
| Participation rate | 81.8% | 84.1%-2.2pp | 81.4%+0.4pp | 83.0%-1.2pp |
| Annual return | -4.86% | 56.63%-61.5pp | 47.52%-52.4pp | 41.46%-46.3pp |
| Employer contribution / active EE | $4,300 | $5,170-16.8% | $4,617-6.9% | $4,869-11.7% |
| Participant deferral / active EE | $7,018 | $6,343+10.7% | $5,984+17.3% | $5,287+32.7% |
| Admin fee / account holder | $1,164 | $9,817-88.1% | $8,357-86.1% | $10,133-88.5% |