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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 | $116,957 | $117,426-0.4% | $99,470+17.6% | $152,885-23.5% |
| Participation rate | 73.3% | 77.5%-4.2pp | 73.8%-0.5pp | 82.5%-9.1pp |
| Annual return | -0.97% | 31.87%-32.8pp | 30.72%-31.7pp | 345.39%-346.4pp |
| Employer contribution / active EE | $2,064 | $3,014-31.5% | $2,540-18.8% | $4,763-56.7% |
| Participant deferral / active EE | $3,072 | $4,086-24.8% | $3,619-15.1% | $5,851-47.5% |
| Admin fee / account holder | $345 | $7,634-95.5% | $6,252-94.5% | $11,598-97.0% |