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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 | $99,875-58.2% | $146,866-71.6% | $86,983-52.0% |
| Participation rate | 80.6% | 75.8%+4.8pp | 82.5%-1.9pp | 69.5%+11.1pp |
| Annual return | 13.74% | 28.10%-14.4pp | 102.85%-89.1pp | 25.83%-12.1pp |
| Employer contribution / active EE | $3,051 | $3,224-5.4% | $4,425-31.0% | $2,584+18.1% |
| Participant deferral / active EE | $2,530 | $6,322-60.0% | $7,759-67.4% | $4,194-39.7% |
| Admin fee / account holder | $621 | $7,838-92.1% | $13,620-95.4% | $7,856-92.1% |