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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 | $31,325 | $81,947-61.8% | $105,387-70.3% | $72,975-57.1% |
| Participation rate | 85.7% | 76.5%+9.2pp | 82.6%+3.1pp | 69.5%+16.2pp |
| Annual return | 11.76% | 42.90%-31.1pp | 26.82%-15.1pp | 81.01%-69.3pp |
| Employer contribution / active EE | $1,837 | $3,468-47.0% | $4,213-56.4% | $2,440-24.7% |
| Participant deferral / active EE | $3,275 | $4,494-27.1% | $5,502-40.5% | $3,608-9.2% |
| Admin fee / account holder | $1,855 | $6,258-70.4% | $6,559-71.7% | $5,124-63.8% |