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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 | $124,643 | $81,262+53.4% | $155,602-19.9% | $80,911+54.1% |
| Participation rate | 76.0% | 66.2%+9.8pp | 78.2%-2.2pp | 67.6%+8.4pp |
| Annual return | 10.29% | 33.34%-23.1pp | 64.81%-54.5pp | 35.63%-25.3pp |
| Employer contribution / active EE | $1,839 | $3,102-40.7% | $4,675-60.7% | $2,756-33.3% |
| Participant deferral / active EE | $3,718 | $3,451+7.7% | $5,629-33.9% | $4,297-13.5% |
| Admin fee / account holder | $5,168 | $7,992-35.3% | $15,923-67.5% | $6,935-25.5% |