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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 | $35,001 | $61,660-43.2% | $80,022-56.3% | $64,173-45.5% |
| Participation rate | 94.4% | 71.7%+22.8pp | 75.8%+18.6pp | 69.6%+24.9pp |
| Annual return | -7.66% | -0.33%-7.3pp | 11.22%-18.9pp | 7.63%-15.3pp |
| Employer contribution / active EE | $1,892 | $1,810+4.5% | $2,468-23.3% | $2,381-20.5% |
| Participant deferral / active EE | $4,212 | $2,968+41.9% | $3,686+14.3% | $3,470+21.4% |
| Admin fee / account holder | $616 | $5,417-88.6% | $6,521-90.6% | $4,887-87.4% |