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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 | $90,893 | $64,729+40.4% | $112,263-19.0% | $68,490+32.7% |
| Participation rate | 72.0% | 67.2%+4.8pp | 75.1%-3.1pp | 67.9%+4.1pp |
| Annual return | -21.14% | -11.40%-9.7pp | 27.49%-48.6pp | -7.85%-13.3pp |
| Employer contribution / active EE | $2,550 | $2,746-7.2% | $3,636-29.9% | $2,597-1.8% |
| Participant deferral / active EE | $4,618 | $3,566+29.5% | $4,729-2.3% | $4,028+14.7% |
| Admin fee / account holder | $1,750 | $5,222-66.5% | $6,410-72.7% | $5,403-67.6% |