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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 | $38,718 | $101,795-62.0% | $165,100-76.5% | $80,959-52.2% |
| Participation rate | 83.0% | 71.8%+11.2pp | 78.6%+4.4pp | 67.7%+15.3pp |
| Annual return | 8.88% | 16.73%-7.8pp | 70.21%-61.3pp | 35.67%-26.8pp |
| Employer contribution / active EE | $2,133 | $2,954-27.8% | $4,348-51.0% | $2,757-22.7% |
| Participant deferral / active EE | $4,218 | $4,476-5.8% | $6,035-30.1% | $4,300-1.9% |
| Admin fee / account holder | $3,458 | $8,221-57.9% | $12,696-72.8% | $6,925-50.1% |