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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 | $62,991 | $87,059-27.6% | $105,608-40.4% | $80,925-22.2% |
| Participation rate | 74.4% | 70.4%+4.0pp | 75.3%-0.9pp | 67.7%+6.8pp |
| Annual return | 9.56% | 17.05%-7.5pp | 116.50%-106.9pp | 35.65%-26.1pp |
| Employer contribution / active EE | $4,270 | $2,396+78.2% | $3,167+34.8% | $2,756+54.9% |
| Participant deferral / active EE | $4,010 | $3,986+0.6% | $5,010-20.0% | $4,299-6.7% |
| Admin fee / account holder | $5,131 | $8,443-39.2% | $11,028-53.5% | $6,940-26.1% |