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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 | $238,046 | $106,115+124.3% | $85,969+176.9% | $125,389+89.8% |
| Participation rate | 100.0% | 84.1%+15.9pp | 76.5%+23.5pp | 83.2%+16.8pp |
| Annual return | -6.56% | 13.93%-20.5pp | 9.32%-15.9pp | 282.24%-288.8pp |
| Employer contribution / active EE | $19,704 | $4,537+334.3% | $3,474+467.1% | $4,866+304.9% |
| Participant deferral / active EE | $6,331 | $4,859+30.3% | $3,829+65.3% | $5,352+18.3% |
| Admin fee / account holder | $1,932 | $8,144-76.3% | $6,053-68.1% | $9,541-79.7% |