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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 | $119,975 | $91,559+31.0% | $133,978-10.5% | $79,856+50.2% |
| Participation rate | 90.3% | 73.3%+17.0pp | 79.8%+10.5pp | 69.6%+20.7pp |
| Annual return | 7.55% | 61.85%-54.3pp | 45.10%-37.5pp | 31.71%-24.2pp |
| Employer contribution / active EE | $1,674 | $2,384-29.8% | $3,919-57.3% | $2,471-32.3% |
| Participant deferral / active EE | $3,756 | $3,734+0.6% | $5,047-25.6% | $3,741+0.4% |
| Admin fee / account holder | $3,752 | $6,321-40.6% | $8,930-58.0% | $5,306-29.3% |