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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 | $24,261 | $114,093-78.7% | $96,171-74.8% | $167,536-85.5% |
| Participation rate | 71.4% | 75.1%-3.6pp | 68.4%+3.0pp | 82.1%-10.7pp |
| Annual return | 2.35% | 190.00%-187.6pp | 192.04%-189.7pp | 478.82%-476.5pp |
| Employer contribution / active EE | $913 | $3,429-73.4% | $2,799-67.4% | $4,839-81.1% |
| Participant deferral / active EE | $8,043 | $5,197+54.8% | $4,350+84.9% | $6,342+26.8% |
| Admin fee / account holder | $1,666 | $6,899-75.9% | $5,538-69.9% | $12,315-86.5% |