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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 | $40,907 | $95,383-57.1% | $185,837-78.0% | $85,856-52.4% |
| Participation rate | 84.0% | 68.8%+15.2pp | 81.7%+2.3pp | 69.3%+14.7pp |
| Annual return | 11.27% | 23.59%-12.3pp | 122.08%-110.8pp | 318.58%-307.3pp |
| Employer contribution / active EE | $0 | $3,313-100.0% | $5,168-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $2,412 | $3,423-29.5% | $5,568-56.7% | $3,952-39.0% |
| Admin fee / account holder | $594 | $7,213-91.8% | $16,241-96.3% | $6,261-90.5% |