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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 | $44,502 | $76,551-41.9% | $123,894-64.1% | $62,881-29.2% |
| Participation rate | 73.1% | 73.0%+0.1pp | 81.4%-8.3pp | 69.3%+3.8pp |
| Annual return | 3.48% | 18.68%-15.2pp | 47.52%-44.0pp | 20.14%-16.7pp |
| Employer contribution / active EE | $3,168 | $2,882+9.9% | $4,617-31.4% | $2,281+38.9% |
| Participant deferral / active EE | $4,672 | $4,840-3.5% | $5,984-21.9% | $3,203+45.9% |
| Admin fee / account holder | $448 | $4,826-90.7% | $8,357-94.6% | $4,296-89.6% |