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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 | $19,430 | $56,287-65.5% | $80,977-76.0% | $62,881-69.1% |
| Participation rate | 100.0% | 68.9%+31.1pp | 75.8%+24.2pp | 69.3%+30.7pp |
| Annual return | 4.80% | 22.13%-17.3pp | 17.11%-12.3pp | 20.14%-15.3pp |
| Employer contribution / active EE | $3,831 | $1,943+97.2% | $3,715+3.1% | $2,281+68.0% |
| Participant deferral / active EE | $2,919 | $4,196-30.4% | $5,696-48.8% | $3,203-8.9% |
| Admin fee / account holder | $2,142 | $3,742-42.7% | $5,517-61.2% | $4,296-50.1% |