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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 | $19,607 | $86,050-77.2% | $189,758-89.7% | $94,015-79.1% |
| Participation rate | 100.0% | 68.9%+31.1pp | 79.8%+20.2pp | 70.8%+29.2pp |
| Annual return | 10.70% | 17.77%-7.1pp | 52.62%-41.9pp | 17.84%-7.1pp |
| Employer contribution / active EE | $2,116 | $2,819-25.0% | $4,767-55.6% | $2,790-24.2% |
| Participant deferral / active EE | $2,433 | $3,349-27.4% | $5,856-58.5% | $4,249-42.8% |
| Admin fee / account holder | $5,116 | $6,627-22.8% | $20,388-74.9% | $8,951-42.8% |