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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 | $37,486 | $71,197-47.3% | $93,669-60.0% | $80,925-53.7% |
| Participation rate | 95.3% | 60.4%+35.0pp | 68.7%+26.6pp | 67.7%+27.7pp |
| Annual return | 7.78% | 11.27%-3.5pp | 133.59%-125.8pp | 35.65%-27.9pp |
| Employer contribution / active EE | $3,334 | $1,565+113.1% | $2,424+37.6% | $2,756+21.0% |
| Participant deferral / active EE | $2,466 | $4,036-38.9% | $4,416-44.2% | $4,299-42.6% |
| Admin fee / account holder | $1,325 | $6,959-81.0% | $8,291-84.0% | $6,940-80.9% |