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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 | $48,110 | $106,864-55.0% | $147,318-67.3% | $82,637-41.8% |
| Participation rate | 84.6% | 75.5%+9.1pp | 82.1%+2.6pp | 68.1%+16.6pp |
| Annual return | 10.75% | 27.49%-16.7pp | 70.43%-59.7pp | 53.51%-42.8pp |
| Employer contribution / active EE | $3,247 | $3,417-5.0% | $4,593-29.3% | $2,552+27.2% |
| Participant deferral / active EE | $2,687 | $6,496-58.6% | $7,906-66.0% | $4,126-34.9% |
| Admin fee / account holder | $629 | $8,415-92.5% | $13,708-95.4% | $7,339-91.4% |