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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 | $38,018 | $71,215-46.6% | $93,696-59.4% | $80,935-53.0% |
| Participation rate | 100.0% | 60.4%+39.6pp | 68.7%+31.3pp | 67.7%+32.3pp |
| Annual return | 9.18% | 11.27%-2.1pp | 133.74%-124.6pp | 35.66%-26.5pp |
| Employer contribution / active EE | $2,530 | $1,565+61.6% | $2,422+4.5% | $2,757-8.2% |
| Participant deferral / active EE | $4,820 | $4,037+19.4% | $4,417+9.1% | $4,299+12.1% |
| Admin fee / account holder | $15,533 | $6,958+123.2% | $8,287+87.4% | $6,924+124.3% |