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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 | $105,439 | $56,894+85.3% | $84,753+24.4% | $62,881+67.7% |
| Participation rate | 74.4% | 68.5%+5.8pp | 76.6%-2.2pp | 69.3%+5.1pp |
| Annual return | -1.71% | 6.30%-8.0pp | 22.78%-24.5pp | 20.14%-21.9pp |
| Employer contribution / active EE | $7,224 | $2,400+201.0% | $3,574+102.1% | $2,281+216.7% |
| Participant deferral / active EE | $3,277 | $2,709+21.0% | $3,712-11.7% | $3,203+2.3% |
| Admin fee / account holder | $828 | $3,581-76.9% | $5,333-84.5% | $4,296-80.7% |