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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 | $24,971 | $72,269-65.4% | $101,271-75.3% | $79,852-68.7% |
| Participation rate | 93.8% | 68.5%+25.3pp | 75.8%+17.9pp | 69.6%+24.1pp |
| Annual return | 9.60% | 22.29%-12.7pp | 46.48%-36.9pp | 31.72%-22.1pp |
| Employer contribution / active EE | $2,964 | $2,692+10.1% | $3,660-19.0% | $2,471+19.9% |
| Participant deferral / active EE | $3,579 | $3,282+9.1% | $4,371-18.1% | $3,740-4.3% |
| Admin fee / account holder | $393 | $4,401-91.1% | $5,948-93.4% | $5,306-92.6% |