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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 | $62,636 | $58,523+7.0% | $99,470-37.0% | $72,983-14.2% |
| Participation rate | 100.0% | 64.6%+35.4pp | 73.8%+26.2pp | 69.5%+30.5pp |
| Annual return | -1.61% | 28.51%-30.1pp | 30.72%-32.3pp | 81.01%-82.6pp |
| Employer contribution / active EE | $7,045 | $1,512+365.9% | $2,540+177.3% | $2,440+188.7% |
| Participant deferral / active EE | $3,074 | $2,606+18.0% | $3,619-15.0% | $3,608-14.8% |
| Admin fee / account holder | $1,346 | $4,102-67.2% | $6,252-78.5% | $5,124-73.7% |