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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 | $63,700 | $69,273-8.0% | $90,796-29.8% | $82,637-22.9% |
| Participation rate | 97.4% | 64.0%+33.3pp | 69.5%+27.9pp | 68.1%+29.3pp |
| Annual return | 5.31% | 18.37%-13.1pp | 19.29%-14.0pp | 53.51%-48.2pp |
| Employer contribution / active EE | $6,665 | $1,865+257.3% | $2,294+190.6% | $2,552+161.1% |
| Participant deferral / active EE | $3,851 | $3,047+26.4% | $3,822+0.8% | $4,126-6.7% |
| Admin fee / account holder | $700 | $5,511-87.3% | $7,024-90.0% | $7,339-90.5% |