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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 | $78,070 | $107,809-27.6% | $90,657-13.9% | $135,380-42.3% |
| Participation rate | 78.6% | 78.0%+0.5pp | 74.0%+4.5pp | 82.6%-4.1pp |
| Annual return | -9.72% | -0.90%-8.8pp | 1.89%-11.6pp | 519.81%-529.5pp |
| Employer contribution / active EE | $1,737 | $3,018-42.4% | $2,532-31.4% | $4,779-63.7% |
| Participant deferral / active EE | $8,679 | $3,872+124.2% | $3,424+153.5% | $5,609+54.7% |
| Admin fee / account holder | $1,863 | $5,931-68.6% | $4,994-62.7% | $10,828-82.8% |