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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 | $38,757 | $82,674-53.1% | $125,381-69.1% | $68,486-43.4% |
| Participation rate | 82.4% | 75.1%+7.3pp | 82.4%0pp | 67.9%+14.5pp |
| Annual return | -21.16% | -5.97%-15.2pp | 572.31%-593.5pp | -7.85%-13.3pp |
| Employer contribution / active EE | $1,501 | $3,382-55.6% | $4,815-68.8% | $2,597-42.2% |
| Participant deferral / active EE | $4,648 | $6,111-23.9% | $7,448-37.6% | $4,028+15.4% |
| Admin fee / account holder | $4,045 | $6,277-35.6% | $10,007-59.6% | $5,404-25.1% |