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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 | $26,021 | $73,988-64.8% | $96,538-73.0% | $75,177-65.4% |
| Participation rate | 73.1% | 66.4%+6.6pp | 74.3%-1.3pp | 67.2%+5.9pp |
| Annual return | 8.01% | 26.73%-18.7pp | 35.74%-27.7pp | 160.75%-152.7pp |
| Employer contribution / active EE | $1,728 | $2,930-41.0% | $3,740-53.8% | $2,671-35.3% |
| Participant deferral / active EE | $2,770 | $3,660-24.3% | $4,880-43.3% | $4,126-32.9% |
| Admin fee / account holder | $445 | $5,220-91.5% | $6,737-93.4% | $5,651-92.1% |