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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 | $61,237 | $81,358-24.7% | $155,556-60.6% | $80,959-24.4% |
| Participation rate | 98.0% | 66.3%+31.7pp | 78.2%+19.8pp | 67.7%+30.3pp |
| Annual return | 10.17% | 33.39%-23.2pp | 64.84%-54.7pp | 35.67%-25.5pp |
| Employer contribution / active EE | $5,578 | $3,106+79.6% | $4,675+19.3% | $2,757+102.3% |
| Participant deferral / active EE | $3,823 | $3,455+10.6% | $5,631-32.1% | $4,300-11.1% |
| Admin fee / account holder | $2,945 | $7,994-63.2% | $15,885-81.5% | $6,925-57.5% |