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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 | $58,244 | $57,590+1.1% | $86,233-32.5% | $82,448-29.4% |
| Participation rate | 96.8% | 57.9%+38.9pp | 69.0%+27.8pp | 68.1%+28.7pp |
| Annual return | 11.05% | 22.41%-11.4pp | 61.39%-50.3pp | 41.64%-30.6pp |
| Employer contribution / active EE | $9,249 | $1,655+458.7% | $2,504+269.3% | $2,551+262.6% |
| Participant deferral / active EE | $4,686 | $3,080+52.2% | $4,559+2.8% | $4,139+13.2% |
| Admin fee / account holder | $1,478 | $4,730-68.7% | $8,342-82.3% | $7,234-79.6% |