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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 | $55,086 | $100,147-45.0% | $81,286-32.2% | $145,877-62.2% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.5%+30.5pp | 80.3%+19.7pp |
| Annual return | 7.04% | 34.44%-27.4pp | 24.80%-17.8pp | 551.28%-544.2pp |
| Employer contribution / active EE | $3,216 | $2,977+8.0% | $2,463+30.6% | $4,663-31.0% |
| Participant deferral / active EE | $1,396 | $4,607-69.7% | $3,883-64.0% | $6,691-79.1% |
| Admin fee / account holder | $807 | $8,201-90.2% | $5,764-86.0% | $13,402-94.0% |