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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 | $39,290 | $53,596-26.7% | $90,657-56.7% | $64,173-38.8% |
| Participation rate | 96.7% | 64.5%+32.2pp | 74.0%+22.6pp | 69.6%+27.1pp |
| Annual return | -9.04% | 4.41%-13.5pp | 1.89%-10.9pp | 7.63%-16.7pp |
| Employer contribution / active EE | $4,663 | $1,503+210.2% | $2,532+84.2% | $2,381+95.8% |
| Participant deferral / active EE | $4,597 | $2,459+87.0% | $3,424+34.2% | $3,470+32.5% |
| Admin fee / account holder | $620 | $3,868-84.0% | $4,994-87.6% | $4,887-87.3% |