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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 | $25,963 | $54,380-52.3% | $68,509-62.1% | $59,633-56.5% |
| Participation rate | 96.0% | 70.2%+25.8pp | 74.7%+21.3pp | 68.7%+27.3pp |
| Annual return | -2.47% | 2.83%-5.3pp | 8.27%-10.7pp | 2041.45%-2043.9pp |
| Employer contribution / active EE | $2,348 | $1,539+52.6% | $2,278+3.1% | $2,203+6.6% |
| Participant deferral / active EE | $3,449 | $2,643+30.5% | $3,382+2.0% | $3,192+8.1% |
| Admin fee / account holder | $2,907 | $3,885-25.2% | $5,275-44.9% | $4,297-32.4% |