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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 | $190,462 | $105,867+79.9% | $90,760+109.9% | $134,532+41.6% |
| Participation rate | 91.7% | 78.3%+13.4pp | 75.7%+16.0pp | 81.2%+10.4pp |
| Annual return | -27.34% | -10.99%-16.4pp | -12.16%-15.2pp | 418.27%-445.6pp |
| Employer contribution / active EE | $1,286 | $3,464-62.9% | $2,922-56.0% | $4,741-72.9% |
| Participant deferral / active EE | $7,704 | $5,217+47.7% | $4,565+68.8% | $6,401+20.4% |
| Admin fee / account holder | $1,751 | $13,936-87.4% | $8,444-79.3% | $11,429-84.7% |