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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 | $46,284 | $125,190-63.0% | $105,624-56.2% | $145,897-68.3% |
| Participation rate | 82.4% | 77.6%+4.7pp | 75.3%+7.1pp | 80.3%+2.0pp |
| Annual return | 2.26% | 225.22%-223.0pp | 116.20%-113.9pp | 552.29%-550.0pp |
| Employer contribution / active EE | $1,847 | $3,720-50.4% | $3,168-41.7% | $4,663-60.4% |
| Participant deferral / active EE | $3,040 | $5,716-46.8% | $5,013-39.3% | $6,689-54.5% |
| Admin fee / account holder | $839 | $17,138-95.1% | $10,961-92.3% | $13,390-93.7% |