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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 | $48,040 | $85,171-43.6% | $172,752-72.2% | $72,975-34.2% |
| Participation rate | 84.0% | 70.1%+13.9pp | 82.6%+1.4pp | 69.5%+14.5pp |
| Annual return | 2.49% | 27.32%-24.8pp | 802.97%-800.5pp | 81.01%-78.5pp |
| Employer contribution / active EE | $3,250 | $3,324-2.2% | $5,144-36.8% | $2,440+33.2% |
| Participant deferral / active EE | $5,945 | $3,260+82.4% | $5,198+14.4% | $3,608+64.8% |
| Admin fee / account holder | $2,418 | $5,880-58.9% | $13,955-82.7% | $5,124-52.8% |