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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 | $72,243 | $72,607-0.5% | $90,259-20.0% | $87,485-17.4% |
| Participation rate | 98.9% | 64.8%+34.1pp | 70.7%+28.2pp | 68.9%+30.0pp |
| Annual return | 7.14% | 18.59%-11.4pp | 18.88%-11.7pp | 26.06%-18.9pp |
| Employer contribution / active EE | $3,652 | $1,919+90.2% | $2,291+59.4% | $2,596+40.7% |
| Participant deferral / active EE | $3,414 | $3,055+11.7% | $3,827-10.8% | $4,274-20.1% |
| Admin fee / account holder | $3,170 | $5,947-46.7% | $7,267-56.4% | $7,775-59.2% |