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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 | $26,633 | $60,349-55.9% | $74,184-64.1% | $62,881-57.6% |
| Participation rate | 93.7% | 72.7%+20.9pp | 76.6%+17.0pp | 69.3%+24.3pp |
| Annual return | 4.06% | 21.38%-17.3pp | 17.74%-13.7pp | 20.14%-16.1pp |
| Employer contribution / active EE | $936 | $1,680-44.3% | $2,370-60.5% | $2,281-59.0% |
| Participant deferral / active EE | $2,021 | $2,856-29.2% | $3,550-43.1% | $3,203-36.9% |
| Admin fee / account holder | $519 | $4,261-87.8% | $5,586-90.7% | $4,296-87.9% |