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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 | $118,101 | $138,393-14.7% | $184,256-35.9% | $80,959+45.9% |
| Participation rate | 92.9% | 83.9%+9.0pp | 86.8%+6.0pp | 67.7%+25.2pp |
| Annual return | 10.90% | 20.01%-9.1pp | 28.85%-17.9pp | 35.67%-24.8pp |
| Employer contribution / active EE | $1,962 | $4,847-59.5% | $6,427-69.5% | $2,757-28.8% |
| Participant deferral / active EE | $8,553 | $7,076+20.9% | $9,133-6.4% | $4,300+98.9% |
| Admin fee / account holder | $2,711 | $10,489-74.2% | $13,899-80.5% | $6,925-60.9% |