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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 | $16,154 | $75,541-78.6% | $152,093-89.4% | $82,637-80.5% |
| Participation rate | 77.4% | 66.5%+10.9pp | 77.8%-0.3pp | 68.1%+9.4pp |
| Annual return | 7.28% | 32.56%-25.3pp | 66.36%-59.1pp | 53.51%-46.2pp |
| Employer contribution / active EE | $4,274 | $2,622+63.0% | $4,175+2.4% | $2,552+67.5% |
| Participant deferral / active EE | $3,246 | $3,206+1.3% | $5,451-40.5% | $4,126-21.3% |
| Admin fee / account holder | $18,040 | $6,405+181.7% | $14,497+24.4% | $7,339+145.8% |