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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 | $33,875 | $56,894-40.5% | $84,753-60.0% | $62,881-46.1% |
| Participation rate | 96.7% | 68.5%+28.1pp | 76.6%+20.1pp | 69.3%+27.4pp |
| Annual return | 4.04% | 6.30%-2.3pp | 22.78%-18.7pp | 20.14%-16.1pp |
| Employer contribution / active EE | $830 | $2,400-65.4% | $3,574-76.8% | $2,281-63.6% |
| Participant deferral / active EE | $2,248 | $2,709-17.0% | $3,712-39.4% | $3,203-29.8% |
| Admin fee / account holder | $693 | $3,581-80.6% | $5,333-87.0% | $4,296-83.9% |