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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 | $207,137 | $127,096+63.0% | $105,736+95.9% | $135,380+53.0% |
| Participation rate | 90.9% | 82.7%+8.2pp | 76.3%+14.6pp | 82.6%+8.3pp |
| Annual return | -10.73% | 4.49%-15.2pp | 6.27%-17.0pp | 519.81%-530.5pp |
| Employer contribution / active EE | $2,592 | $4,107-36.9% | $3,268-20.7% | $4,779-45.8% |
| Participant deferral / active EE | $6,142 | $5,064+21.3% | $4,080+50.5% | $5,609+9.5% |
| Admin fee / account holder | $4,851 | $9,087-46.6% | $6,913-29.8% | $10,828-55.2% |