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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 | $42,230 | $76,551-44.8% | $123,894-65.9% | $62,881-32.8% |
| Participation rate | 71.4% | 73.0%-1.6pp | 81.4%-10.0pp | 69.3%+2.1pp |
| Annual return | 3.88% | 18.68%-14.8pp | 47.52%-43.6pp | 20.14%-16.3pp |
| Employer contribution / active EE | $833 | $2,882-71.1% | $4,617-82.0% | $2,281-63.5% |
| Participant deferral / active EE | $2,661 | $4,840-45.0% | $5,984-55.5% | $3,203-16.9% |
| Admin fee / account holder | $14,223 | $4,826+194.7% | $8,357+70.2% | $4,296+231.1% |