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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 | $139,209 | $213,785-34.9% | $185,441-24.9% | $155,188-10.3% |
| Participation rate | 100.0% | 83.2%+16.8pp | 80.3%+19.7pp | 80.8%+19.2pp |
| Annual return | 4.86% | 19.97%-15.1pp | 20.16%-15.3pp | 148.84%-144.0pp |
| Employer contribution / active EE | $3,524 | $5,393-34.7% | $4,672-24.6% | $4,248-17.0% |
| Participant deferral / active EE | $8,306 | $6,864+21.0% | $6,152+35.0% | $6,531+27.2% |
| Admin fee / account holder | $2,733 | $21,134-87.1% | $17,890-84.7% | $14,480-81.1% |