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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 | $33,275 | $197,819-83.2% | $155,789-78.6% | $125,388-73.5% |
| Participation rate | 100.0% | 82.1%+17.9pp | 76.1%+23.9pp | 83.2%+16.8pp |
| Annual return | -5.28% | 86.73%-92.0pp | 71.54%-76.8pp | 282.24%-287.5pp |
| Employer contribution / active EE | $806 | $4,850-83.4% | $3,839-79.0% | $4,866-83.4% |
| Participant deferral / active EE | $7,011 | $5,631+24.5% | $4,798+46.1% | $5,352+31.0% |
| Admin fee / account holder | $329 | $9,544-96.6% | $7,477-95.6% | $9,541-96.6% |