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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 | $24,726 | $153,311-83.9% | $109,313-77.4% | $273,972-91.0% |
| Participation rate | 100.0% | 80.1%+19.9pp | 71.3%+28.7pp | 83.0%+17.0pp |
| Annual return | -2.90% | 29.86%-32.8pp | 22.07%-25.0pp | 41.46%-44.4pp |
| Employer contribution / active EE | $7,152 | $5,619+27.3% | $3,892+83.8% | $4,869+46.9% |
| Participant deferral / active EE | $2,857 | $3,932-27.3% | $3,166-9.8% | $5,287-46.0% |
| Admin fee / account holder | $1,131 | $8,076-86.0% | $5,666-80.0% | $10,133-88.8% |