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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 | $71,057-47.2% | $93,654-60.0% | $80,874-53.6% |
| Participation rate | 95.3% | 60.4%+34.9pp | 68.7%+26.6pp | 67.6%+27.7pp |
| Annual return | 7.78% | 11.26%-3.5pp | 133.34%-125.6pp | 35.62%-27.8pp |
| Employer contribution / active EE | $3,334 | $1,564+113.2% | $2,421+37.7% | $2,756+21.0% |
| Participant deferral / active EE | $2,466 | $4,034-38.9% | $4,413-44.1% | $4,297-42.6% |
| Admin fee / account holder | $1,325 | $6,944-80.9% | $8,282-84.0% | $6,935-80.9% |