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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 | $94,987 | $72,492+31.0% | $87,104+9.0% | $72,975+30.2% |
| Participation rate | 73.2% | 72.8%+0.4pp | 76.9%-3.7pp | 69.5%+3.7pp |
| Annual return | 4.41% | 24.46%-20.1pp | 28.19%-23.8pp | 81.01%-76.6pp |
| Employer contribution / active EE | $1,764 | $1,894-6.9% | $2,521-30.1% | $2,440-27.7% |
| Participant deferral / active EE | $2,189 | $3,270-33.1% | $4,048-45.9% | $3,608-39.3% |
| Admin fee / account holder | $6,574 | $5,055+30.0% | $7,491-12.2% | $5,124+28.3% |