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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 | $57,758 | $68,573-15.8% | $120,368-52.0% | $80,874-28.6% |
| Participation rate | 100.0% | 61.6%+38.4pp | 71.9%+28.1pp | 67.6%+32.4pp |
| Annual return | 8.06% | 23.61%-15.5pp | 107.26%-99.2pp | 35.62%-27.6pp |
| Employer contribution / active EE | $2,106 | $2,052+2.6% | $3,465-39.2% | $2,756-23.6% |
| Participant deferral / active EE | $2,649 | $3,174-16.5% | $4,991-46.9% | $4,297-38.4% |
| Admin fee / account holder | $2,601 | $5,734-54.6% | $9,429-72.4% | $6,935-62.5% |