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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 | $97,523 | $77,460+25.9% | $100,378-2.8% | $80,925+20.5% |
| Participation rate | 74.5% | 76.9%-2.4pp | 81.5%-7.0pp | 67.7%+6.9pp |
| Annual return | 8.20% | 37.24%-29.0pp | 49.41%-41.2pp | 35.65%-27.4pp |
| Employer contribution / active EE | $3,816 | $2,801+36.2% | $3,942-3.2% | $2,756+38.5% |
| Participant deferral / active EE | $7,708 | $6,818+13.1% | $8,087-4.7% | $4,299+79.3% |
| Admin fee / account holder | $3,147 | $5,887-46.5% | $7,899-60.2% | $6,940-54.7% |