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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 | $70,442 | $65,704+7.2% | $94,229-25.2% | $59,633+18.1% |
| Participation rate | 92.3% | 72.1%+20.2pp | 78.8%+13.5pp | 68.7%+23.6pp |
| Annual return | -5.67% | 5.22%-10.9pp | 10.68%-16.4pp | 2041.45%-2047.1pp |
| Employer contribution / active EE | $3,485 | $2,021+72.5% | $3,587-2.8% | $2,203+58.2% |
| Participant deferral / active EE | $6,448 | $3,143+105.2% | $4,320+49.2% | $3,192+102.0% |
| Admin fee / account holder | $2,009 | $4,265-52.9% | $6,269-68.0% | $4,297-53.2% |