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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 | $39,323 | $75,541-47.9% | $152,093-74.1% | $82,637-52.4% |
| Participation rate | 100.0% | 66.5%+33.5pp | 77.8%+22.2pp | 68.1%+31.9pp |
| Annual return | 12.50% | 32.56%-20.1pp | 66.36%-53.9pp | 53.51%-41.0pp |
| Employer contribution / active EE | $5,534 | $2,622+111.0% | $4,175+32.6% | $2,552+116.8% |
| Participant deferral / active EE | $4,024 | $3,206+25.5% | $5,451-26.2% | $4,126-2.5% |
| Admin fee / account holder | $761 | $6,405-88.1% | $14,497-94.7% | $7,339-89.6% |