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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 | $85,509 | $94,031-9.1% | $115,768-26.1% | $82,448+3.7% |
| Participation rate | 76.0% | 70.4%+5.6pp | 74.4%+1.6pp | 68.1%+7.9pp |
| Annual return | 9.35% | 20.61%-11.3pp | 100.46%-91.1pp | 41.64%-32.3pp |
| Employer contribution / active EE | $0 | $2,323-100.0% | $2,940-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $2,893 | $3,972-27.2% | $4,917-41.2% | $4,139-30.1% |
| Admin fee / account holder | $12,769 | $10,249+24.6% | $12,439+2.7% | $7,234+76.5% |