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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 | $25,275 | $52,279-51.7% | $89,414-71.7% | $79,852-68.3% |
| Participation rate | 79.5% | 57.5%+21.9pp | 68.0%+11.5pp | 69.6%+9.8pp |
| Annual return | 10.80% | 22.16%-11.4pp | 245.50%-234.7pp | 31.72%-20.9pp |
| Employer contribution / active EE | $1,693 | $1,572+7.8% | $2,586-34.5% | $2,471-31.5% |
| Participant deferral / active EE | $2,864 | $2,740+4.5% | $3,890-26.4% | $3,740-23.4% |
| Admin fee / account holder | $372 | $3,356-88.9% | $4,883-92.4% | $5,306-93.0% |