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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 | $62,664 | $88,707-29.4% | $74,184-15.5% | $273,972-77.1% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.6%+23.4pp | 83.0%+17.0pp |
| Annual return | -6.70% | 11.94%-18.6pp | 17.74%-24.4pp | 41.46%-48.2pp |
| Employer contribution / active EE | $6,915 | $3,159+118.9% | $2,370+191.8% | $4,869+42.0% |
| Participant deferral / active EE | $7,035 | $4,212+67.0% | $3,550+98.2% | $5,287+33.1% |
| Admin fee / account holder | $658 | $8,717-92.5% | $5,586-88.2% | $10,133-93.5% |