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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 | $83,959 | $115,917-27.6% | $100,535-16.5% | $158,982-47.2% |
| Participation rate | 78.6% | 81.6%-3.0pp | 79.4%-0.8pp | 82.0%-3.4pp |
| Annual return | 0.09% | 34.80%-34.7pp | 30.90%-30.8pp | 302.99%-302.9pp |
| Employer contribution / active EE | $6,951 | $4,105+69.3% | $3,419+103.3% | $4,763+46.0% |
| Participant deferral / active EE | $5,231 | $6,677-21.6% | $6,271-16.6% | $5,983-12.6% |
| Admin fee / account holder | $338 | $11,002-96.9% | $8,085-95.8% | $11,252-97.0% |