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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 | $112,495 | $167,362-32.8% | $143,799-21.8% | $134,532-16.4% |
| Participation rate | 89.5% | 84.8%+4.7pp | 80.3%+9.2pp | 81.2%+8.2pp |
| Annual return | -20.86% | 0.47%-21.3pp | -0.04%-20.8pp | 418.27%-439.1pp |
| Employer contribution / active EE | $3,261 | $5,620-42.0% | $4,952-34.2% | $4,741-31.2% |
| Participant deferral / active EE | $8,715 | $6,447+35.2% | $5,638+54.6% | $6,401+36.2% |
| Admin fee / account holder | $874 | $18,094-95.2% | $14,677-94.0% | $11,429-92.4% |