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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 | $66,026 | $56,894+16.1% | $84,753-22.1% | $62,881+5.0% |
| Participation rate | 82.2% | 68.5%+13.7pp | 76.6%+5.6pp | 69.3%+12.9pp |
| Annual return | 4.13% | 6.30%-2.2pp | 22.78%-18.7pp | 20.14%-16.0pp |
| Employer contribution / active EE | $2,473 | $2,400+3.1% | $3,574-30.8% | $2,281+8.4% |
| Participant deferral / active EE | $1,943 | $2,709-28.3% | $3,712-47.7% | $3,203-39.3% |
| Admin fee / account holder | $2,125 | $3,581-40.7% | $5,333-60.2% | $4,296-50.5% |