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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 | $46,551 | $85,171-45.3% | $172,753-73.1% | $72,976-36.2% |
| Participation rate | 97.1% | 70.1%+27.0pp | 82.6%+14.4pp | 69.5%+27.6pp |
| Annual return | 7.13% | 27.32%-20.2pp | 803.00%-795.9pp | 81.02%-73.9pp |
| Employer contribution / active EE | $1,707 | $3,324-48.7% | $5,144-66.8% | $2,440-30.1% |
| Participant deferral / active EE | $1,729 | $3,260-47.0% | $5,198-66.7% | $3,608-52.1% |
| Admin fee / account holder | $628 | $5,880-89.3% | $13,956-95.5% | $5,124-87.8% |