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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 | $80,426 | $82,032-2.0% | $123,106-34.7% | $59,633+34.9% |
| Participation rate | 90.0% | 83.2%+6.8pp | 86.8%+3.2pp | 68.7%+21.3pp |
| Annual return | -3.33% | 5.12%-8.5pp | 13.22%-16.6pp | 2041.40%-2044.7pp |
| Employer contribution / active EE | $3,926 | $3,297+19.1% | $5,151-23.8% | $2,203+78.2% |
| Participant deferral / active EE | $9,344 | $4,667+100.2% | $6,229+50.0% | $3,192+192.8% |
| Admin fee / account holder | $937 | $5,881-84.1% | $9,015-89.6% | $4,297-78.2% |