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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 | $41,116 | $67,606-39.2% | $82,313-50.0% | $70,124-41.4% |
| Participation rate | 100.0% | 72.8%+27.2pp | 76.9%+23.1pp | 69.5%+30.5pp |
| Annual return | 9.42% | 21.57%-12.1pp | 25.88%-16.5pp | 73.14%-63.7pp |
| Employer contribution / active EE | $1,929 | $1,755+9.9% | $2,428-20.6% | $2,342-17.7% |
| Participant deferral / active EE | $2,470 | $2,987-17.3% | $3,706-33.3% | $3,332-25.9% |
| Admin fee / account holder | $1,518 | $4,512-66.3% | $5,608-72.9% | $4,645-67.3% |