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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 | $40,310 | $87,733-54.1% | $106,555-62.2% | $85,847-53.0% |
| Participation rate | 82.8% | 71.9%+10.8pp | 76.1%+6.6pp | 69.3%+13.4pp |
| Annual return | 9.84% | 21.86%-12.0pp | 26.80%-17.0pp | 318.61%-308.8pp |
| Employer contribution / active EE | $2,668 | $2,073+28.7% | $2,819-5.4% | $2,565+4.0% |
| Participant deferral / active EE | $5,740 | $3,469+65.5% | $4,399+30.5% | $3,952+45.2% |
| Admin fee / account holder | $4,626 | $6,767-31.6% | $7,408-37.5% | $6,261-26.1% |