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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 | $34,466 | $133,981-74.3% | $112,249-69.3% | $134,532-74.4% |
| Participation rate | 100.0% | 78.6%+21.4pp | 75.1%+24.9pp | 81.2%+18.8pp |
| Annual return | -26.38% | 47.16%-73.5pp | 27.48%-53.9pp | 418.27%-444.7pp |
| Employer contribution / active EE | $1,244 | $4,040-69.2% | $3,636-65.8% | $4,741-73.8% |
| Participant deferral / active EE | $2,544 | $5,292-51.9% | $4,729-46.2% | $6,401-60.3% |
| Admin fee / account holder | $434 | $7,492-94.2% | $6,412-93.2% | $11,429-96.2% |