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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 | $62,062 | $86,922-28.6% | $102,438-39.4% | $80,874-23.3% |
| Participation rate | 100.0% | 72.4%+27.6pp | 76.5%+23.5pp | 67.6%+32.4pp |
| Annual return | 8.49% | 18.90%-10.4pp | 29.37%-20.9pp | 35.62%-27.1pp |
| Employer contribution / active EE | $3,210 | $2,369+35.5% | $3,024+6.2% | $2,756+16.5% |
| Participant deferral / active EE | $3,345 | $4,119-18.8% | $5,054-33.8% | $4,297-22.2% |
| Admin fee / account holder | $5,629 | $8,050-30.1% | $9,448-40.4% | $6,935-18.8% |