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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 | $41,094 | $102,385-59.9% | $147,080-72.1% | $80,935-49.2% |
| Participation rate | 72.0% | 75.9%-3.9pp | 82.2%-10.2pp | 67.7%+4.3pp |
| Annual return | 10.93% | 135.09%-124.2pp | 420.17%-409.2pp | 35.66%-24.7pp |
| Employer contribution / active EE | $2,208 | $3,717-40.6% | $4,933-55.2% | $2,757-19.9% |
| Participant deferral / active EE | $4,521 | $6,651-32.0% | $8,066-44.0% | $4,299+5.1% |
| Admin fee / account holder | $977 | $7,951-87.7% | $12,989-92.5% | $6,924-85.9% |