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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 | $64,358 | $95,415-32.5% | $185,851-65.4% | $85,851-25.0% |
| Participation rate | 100.0% | 68.8%+31.2pp | 81.7%+18.3pp | 69.3%+30.7pp |
| Annual return | 11.04% | 23.59%-12.6pp | 122.11%-111.1pp | 318.63%-307.6pp |
| Employer contribution / active EE | $4,792 | $3,314+44.6% | $5,168-7.3% | $2,565+86.8% |
| Participant deferral / active EE | $3,615 | $3,424+5.6% | $5,569-35.1% | $3,952-8.5% |
| Admin fee / account holder | $2,329 | $7,215-67.7% | $16,245-85.7% | $6,261-62.8% |