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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 | $93,273 | $106,524-12.4% | $152,301-38.8% | $87,485+6.6% |
| Participation rate | 91.9% | 75.8%+16.1pp | 82.4%+9.4pp | 68.9%+23.0pp |
| Annual return | 13.10% | 26.89%-13.8pp | 80.50%-67.4pp | 26.06%-13.0pp |
| Employer contribution / active EE | $2,974 | $3,371-11.8% | $4,624-35.7% | $2,596+14.5% |
| Participant deferral / active EE | $8,024 | $6,525+23.0% | $8,004+0.2% | $4,274+87.7% |
| Admin fee / account holder | $10,441 | $8,287+26.0% | $14,398-27.5% | $7,775+34.3% |