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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 | $101,778-62.0% | $164,975-76.5% | $80,925-52.2% |
| Participation rate | 83.0% | 71.8%+11.1pp | 78.6%+4.4pp | 67.7%+15.3pp |
| Annual return | 8.88% | 16.73%-7.8pp | 70.12%-61.2pp | 35.65%-26.8pp |
| Employer contribution / active EE | $2,133 | $2,954-27.8% | $4,343-50.9% | $2,756-22.6% |
| Participant deferral / active EE | $4,218 | $4,477-5.8% | $6,033-30.1% | $4,299-1.9% |
| Admin fee / account holder | $3,458 | $8,221-57.9% | $12,688-72.7% | $6,940-50.2% |