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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 | $35,572 | $94,529-62.4% | $140,019-74.6% | $64,173-44.6% |
| Participation rate | 100.0% | 84.1%+15.9pp | 87.5%+12.5pp | 69.6%+30.4pp |
| Annual return | -8.03% | 7.77%-15.8pp | 651.17%-659.2pp | 7.63%-15.7pp |
| Employer contribution / active EE | $1,474 | $3,812-61.3% | $5,605-73.7% | $2,381-38.1% |
| Participant deferral / active EE | $13,663 | $5,250+160.2% | $6,927+97.2% | $3,470+293.8% |
| Admin fee / account holder | $4,268 | $6,741-36.7% | $10,705-60.1% | $4,887-12.7% |