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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 | $15,888 | $81,358-80.5% | $155,556-89.8% | $80,959-80.4% |
| Participation rate | 80.6% | 66.3%+14.4pp | 78.2%+2.4pp | 67.7%+13.0pp |
| Annual return | 7.67% | 33.39%-25.7pp | 64.84%-57.2pp | 35.67%-28.0pp |
| Employer contribution / active EE | $1,718 | $3,106-44.7% | $4,675-63.3% | $2,757-37.7% |
| Participant deferral / active EE | $3,304 | $3,455-4.4% | $5,631-41.3% | $4,300-23.2% |
| Admin fee / account holder | $3,085 | $7,994-61.4% | $15,885-80.6% | $6,925-55.5% |