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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 | $91,257 | $123,478-26.1% | $216,567-57.9% | $94,015-2.9% |
| Participation rate | 93.5% | 75.1%+18.4pp | 81.6%+11.8pp | 70.8%+22.7pp |
| Annual return | 3.18% | 23.61%-20.4pp | 12.94%-9.8pp | 17.84%-14.7pp |
| Employer contribution / active EE | $1,386 | $3,136-55.8% | $5,216-73.4% | $2,790-50.3% |
| Participant deferral / active EE | $6,947 | $4,556+52.5% | $6,191+12.2% | $4,249+63.5% |
| Admin fee / account holder | $12,205 | $12,753-4.3% | $21,981-44.5% | $8,951+36.4% |