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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 | $25,131 | $47,848-47.5% | $81,473-69.2% | $70,126-64.2% |
| Participation rate | 98.6% | 58.3%+40.3pp | 68.0%+30.6pp | 69.5%+29.1pp |
| Annual return | 10.53% | 27.25%-16.7pp | 38.78%-28.3pp | 73.15%-62.6pp |
| Employer contribution / active EE | $423 | $1,527-72.3% | $2,568-83.5% | $2,343-82.0% |
| Participant deferral / active EE | $1,096 | $2,453-55.3% | $3,537-69.0% | $3,332-67.1% |
| Admin fee / account holder | $1,284 | $3,145-59.2% | $4,561-71.9% | $4,645-72.4% |