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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 | $75,086 | $52,519+43.0% | $155,789-51.8% | $59,633+25.9% |
| Participation rate | 81.1% | 61.7%+19.4pp | 76.1%+5.0pp | 68.7%+12.4pp |
| Annual return | -2.90% | 53.51%-56.4pp | 71.54%-74.4pp | 2041.45%-2044.4pp |
| Employer contribution / active EE | $1,408 | $1,589-11.4% | $3,839-63.3% | $2,203-36.1% |
| Participant deferral / active EE | $5,256 | $3,084+70.4% | $4,798+9.6% | $3,192+64.7% |
| Admin fee / account holder | $634 | $3,540-82.1% | $7,477-91.5% | $4,297-85.2% |