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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 | $41,760 | $106,864-60.9% | $147,318-71.7% | $82,637-49.5% |
| Participation rate | 80.6% | 75.5%+5.1pp | 82.1%-1.4pp | 68.1%+12.6pp |
| Annual return | 13.74% | 27.49%-13.8pp | 70.43%-56.7pp | 53.51%-39.8pp |
| Employer contribution / active EE | $3,051 | $3,417-10.7% | $4,593-33.6% | $2,552+19.6% |
| Participant deferral / active EE | $2,530 | $6,496-61.1% | $7,906-68.0% | $4,126-38.7% |
| Admin fee / account holder | $621 | $8,415-92.6% | $13,708-95.5% | $7,339-91.5% |