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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 | $32,385 | $211,946-84.7% | $169,452-80.9% | $135,380-76.1% |
| Participation rate | 100.0% | 82.6%+17.4pp | 77.8%+22.2pp | 82.6%+17.4pp |
| Annual return | -12.44% | 3.26%-15.7pp | 1.83%-14.3pp | 519.81%-532.2pp |
| Employer contribution / active EE | $2,292 | $5,117-55.2% | $4,157-44.9% | $4,779-52.0% |
| Participant deferral / active EE | $10,173 | $6,075+67.4% | $5,277+92.8% | $5,609+81.4% |
| Admin fee / account holder | $3,855 | $11,472-66.4% | $9,110-57.7% | $10,828-64.4% |