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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 | $35,650 | $59,813-40.4% | $79,580-55.2% | $68,486-47.9% |
| Participation rate | 100.0% | 61.1%+38.9pp | 69.5%+30.5pp | 67.9%+32.1pp |
| Annual return | -20.39% | -12.30%-8.1pp | 0.15%-20.5pp | -7.85%-12.5pp |
| Employer contribution / active EE | $2,023 | $1,505+34.4% | $2,413-16.2% | $2,597-22.1% |
| Participant deferral / active EE | $2,905 | $3,024-3.9% | $3,985-27.1% | $4,028-27.9% |
| Admin fee / account holder | $602 | $4,835-87.6% | $6,835-91.2% | $5,404-88.9% |