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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 | $145,284 | $136,860+6.2% | $120,344+20.7% | $154,746-6.1% |
| Participation rate | 86.7% | 79.9%+6.8pp | 76.7%+10.0pp | 80.7%+6.0pp |
| Annual return | 7.70% | 21.38%-13.7pp | 20.30%-12.6pp | 172.34%-164.6pp |
| Employer contribution / active EE | $1,781 | $3,533-49.6% | $3,020-41.0% | $4,379-59.3% |
| Participant deferral / active EE | $5,460 | $5,793-5.8% | $5,135+6.3% | $6,730-18.9% |
| Admin fee / account holder | $12,052 | $15,393-21.7% | $12,742-5.4% | $14,365-16.1% |