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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 | $28,686 | $63,355-54.7% | $91,989-68.8% | $72,986-60.7% |
| Participation rate | 100.0% | 72.5%+27.5pp | 78.6%+21.4pp | 69.5%+30.5pp |
| Annual return | 12.77% | 35.35%-22.6pp | 69.02%-56.3pp | 81.01%-68.2pp |
| Employer contribution / active EE | $4,676 | $2,116+121.0% | $3,452+35.5% | $2,440+91.6% |
| Participant deferral / active EE | $2,835 | $4,883-41.9% | $5,923-52.1% | $3,607-21.4% |
| Admin fee / account holder | $1,699 | $4,668-63.6% | $7,743-78.1% | $5,124-66.8% |