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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 | $185,576 | $71,873+158.2% | $86,698+114.0% | $68,490+171.0% |
| Participation rate | 90.3% | 72.2%+18.1pp | 76.6%+13.7pp | 67.9%+22.4pp |
| Annual return | -18.82% | 3.54%-22.4pp | 35.96%-54.8pp | -7.85%-11.0pp |
| Employer contribution / active EE | $7,372 | $2,173+239.2% | $2,837+159.9% | $2,597+183.9% |
| Participant deferral / active EE | $2,330 | $3,779-38.4% | $4,656-50.0% | $4,028-42.2% |
| Admin fee / account holder | $4,022 | $6,110-34.2% | $7,492-46.3% | $5,403-25.6% |