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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 | $57,626 | $217,427-73.5% | $185,837-69.0% | $167,518-65.6% |
| Participation rate | 87.5% | 86.0%+1.5pp | 81.7%+5.8pp | 82.1%+5.4pp |
| Annual return | -1.36% | 148.39%-149.8pp | 122.08%-123.4pp | 478.71%-480.1pp |
| Employer contribution / active EE | $7,668 | $5,874+30.5% | $5,168+48.4% | $4,838+58.5% |
| Participant deferral / active EE | $9,427 | $6,357+48.3% | $5,568+69.3% | $6,342+48.7% |
| Admin fee / account holder | $931 | $19,816-95.3% | $16,241-94.3% | $12,312-92.4% |