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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 | $188,879 | $81,487+131.8% | $102,412+84.4% | $80,935+133.4% |
| Participation rate | 100.0% | 66.8%+33.2pp | 74.5%+25.5pp | 67.7%+32.3pp |
| Annual return | 10.04% | 25.60%-15.6pp | 24.94%-14.9pp | 35.66%-25.6pp |
| Employer contribution / active EE | $4,656 | $3,103+50.1% | $3,870+20.3% | $2,757+68.9% |
| Participant deferral / active EE | $4,577 | $3,871+18.2% | $5,060-9.6% | $4,299+6.4% |
| Admin fee / account holder | $4,605 | $6,717-31.5% | $8,388-45.1% | $6,924-33.5% |