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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 | $160,767 | $95,453+68.4% | $112,040+43.5% | $82,448+95.0% |
| Participation rate | 96.3% | 72.8%+23.5pp | 76.5%+19.8pp | 68.1%+28.2pp |
| Annual return | 11.21% | 23.92%-12.7pp | 24.52%-13.3pp | 41.64%-30.4pp |
| Employer contribution / active EE | $2,892 | $2,318+24.8% | $2,954-2.1% | $2,551+13.4% |
| Participant deferral / active EE | $5,181 | $4,224+22.7% | $5,098+1.6% | $4,139+25.2% |
| Admin fee / account holder | $8,884 | $9,013-1.4% | $12,098-26.6% | $7,234+22.8% |