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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 | $60,498 | $81,457-25.7% | $103,378-41.5% | $80,911-25.2% |
| Participation rate | 89.5% | 66.8%+22.6pp | 74.5%+15.0pp | 67.6%+21.8pp |
| Annual return | 10.43% | 25.58%-15.1pp | 24.91%-14.5pp | 35.63%-25.2pp |
| Employer contribution / active EE | $10,912 | $3,107+251.2% | $3,870+182.0% | $2,756+296.0% |
| Participant deferral / active EE | $3,567 | $3,871-7.8% | $5,058-29.5% | $4,297-17.0% |
| Admin fee / account holder | $21,917 | $6,717+226.3% | $8,401+160.9% | $6,935+216.1% |