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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 | $33,836 | $124,425-72.8% | $112,040-69.8% | $137,256-75.3% |
| Participation rate | 95.5% | 79.3%+16.1pp | 76.5%+19.0pp | 80.0%+15.5pp |
| Annual return | 8.82% | 24.72%-15.9pp | 24.52%-15.7pp | 220.34%-211.5pp |
| Employer contribution / active EE | $2,372 | $3,411-30.5% | $2,954-19.7% | $4,156-42.9% |
| Participant deferral / active EE | $4,074 | $5,718-28.8% | $5,098-20.1% | $6,407-36.4% |
| Admin fee / account holder | $8,505 | $15,207-44.1% | $12,098-29.7% | $12,270-30.7% |