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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 | $53,175 | $167,533-68.3% | $151,645-64.9% | $134,545-60.5% |
| Participation rate | 100.0% | 88.4%+11.6pp | 87.5%+12.5pp | 81.2%+18.8pp |
| Annual return | -25.37% | 7.81%-33.2pp | 3.34%-28.7pp | 418.37%-443.7pp |
| Employer contribution / active EE | $6,779 | $6,828-0.7% | $6,165+10.0% | $4,742+43.0% |
| Participant deferral / active EE | $14,298 | $8,985+59.1% | $8,363+71.0% | $6,401+123.4% |
| Admin fee / account holder | $1,728 | $13,781-87.5% | $11,614-85.1% | $11,431-84.9% |