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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 | $44,859 | $78,682-43.0% | $109,188-58.9% | $85,851-47.7% |
| Participation rate | 100.0% | 68.3%+31.7pp | 75.9%+24.1pp | 69.3%+30.7pp |
| Annual return | 10.52% | 25.09%-14.6pp | 25.76%-15.2pp | 318.63%-308.1pp |
| Employer contribution / active EE | $4,287 | $2,734+56.8% | $3,723+15.1% | $2,565+67.1% |
| Participant deferral / active EE | $3,578 | $3,468+3.2% | $4,654-23.1% | $3,952-9.5% |
| Admin fee / account holder | $927 | $5,470-83.0% | $6,755-86.3% | $6,261-85.2% |