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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 | $35,091 | $85,766-59.1% | $136,298-74.3% | $70,126-50.0% |
| Participation rate | 75.6% | 74.2%+1.4pp | 81.9%-6.4pp | 69.5%+6.0pp |
| Annual return | 13.60% | 31.46%-17.9pp | 5156.27%-5142.7pp | 73.15%-59.5pp |
| Employer contribution / active EE | $0 | $2,966-100.0% | $4,696-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $2,661 | $5,051-47.3% | $6,247-57.4% | $3,332-20.1% |
| Admin fee / account holder | $2,583 | $5,421-52.3% | $9,244-72.1% | $4,645-44.4% |