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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 | $34,973 | $98,776-64.6% | $149,745-76.6% | $79,856-56.2% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.5%+17.5pp | 69.6%+30.4pp |
| Annual return | 11.39% | 27.38%-16.0pp | 276.72%-265.3pp | 31.71%-20.3pp |
| Employer contribution / active EE | $947 | $3,217-70.6% | $4,646-79.6% | $2,471-61.7% |
| Participant deferral / active EE | $2,963 | $5,681-47.8% | $6,843-56.7% | $3,741-20.8% |
| Admin fee / account holder | $434 | $6,053-92.8% | $9,312-95.3% | $5,306-91.8% |