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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 | $80,823 | $88,672-8.9% | $105,223-23.2% | $82,448-2.0% |
| Participation rate | 72.4% | 67.9%+4.5pp | 75.0%-2.6pp | 68.1%+4.3pp |
| Annual return | 12.71% | 30.86%-18.1pp | 180.65%-167.9pp | 41.64%-28.9pp |
| Employer contribution / active EE | $1,034 | $3,048-66.1% | $3,689-72.0% | $2,551-59.4% |
| Participant deferral / active EE | $4,809 | $4,036+19.2% | $5,072-5.2% | $4,139+16.2% |
| Admin fee / account holder | $2,999 | $7,146-58.0% | $8,859-66.1% | $7,234-58.5% |