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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 | $82,320 | $60,349+36.4% | $74,184+11.0% | $62,881+30.9% |
| Participation rate | 100.0% | 72.7%+27.3pp | 76.6%+23.4pp | 69.3%+30.7pp |
| Annual return | 3.15% | 21.38%-18.2pp | 17.74%-14.6pp | 20.14%-17.0pp |
| Employer contribution / active EE | $815 | $1,680-51.5% | $2,370-65.6% | $2,281-64.3% |
| Participant deferral / active EE | $4,547 | $2,856+59.2% | $3,550+28.1% | $3,203+42.0% |
| Admin fee / account holder | $1,439 | $4,261-66.2% | $5,586-74.2% | $4,296-66.5% |