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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 | $22,875 | $87,542-73.9% | $75,782-69.8% | $125,393-81.8% |
| Participation rate | 100.0% | 80.2%+19.8pp | 75.8%+24.2pp | 83.2%+16.8pp |
| Annual return | -12.41% | 13.48%-25.9pp | 9.68%-22.1pp | 282.23%-294.6pp |
| Employer contribution / active EE | $12,682 | $3,930+222.7% | $3,323+281.6% | $4,866+160.6% |
| Participant deferral / active EE | $2,899 | $4,229-31.4% | $3,652-20.6% | $5,351-45.8% |
| Admin fee / account holder | $2,209 | $6,502-66.0% | $5,300-58.3% | $9,541-76.8% |