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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 | $162,623 | $87,546+85.8% | $75,784+114.6% | $125,389+29.7% |
| Participation rate | 100.0% | 80.2%+19.8pp | 75.8%+24.2pp | 83.2%+16.8pp |
| Annual return | -4.78% | 13.49%-18.3pp | 9.68%-14.5pp | 282.24%-287.0pp |
| Employer contribution / active EE | $2,778 | $3,930-29.3% | $3,323-16.4% | $4,866-42.9% |
| Participant deferral / active EE | $6,455 | $4,230+52.6% | $3,652+76.8% | $5,352+20.6% |
| Admin fee / account holder | $1,512 | $6,503-76.8% | $5,300-71.5% | $9,541-84.2% |