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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 | $121,059 | $87,166+38.9% | $76,735+57.8% | $137,256-11.8% |
| Participation rate | 88.9% | 74.4%+14.5pp | 69.5%+19.4pp | 80.0%+8.9pp |
| Annual return | 4.54% | 26.50%-22.0pp | 29.77%-25.2pp | 220.34%-215.8pp |
| Employer contribution / active EE | $1,623 | $2,904-44.1% | $2,454-33.9% | $4,156-60.9% |
| Participant deferral / active EE | $2,499 | $4,726-47.1% | $4,088-38.9% | $6,407-61.0% |
| Admin fee / account holder | $3,515 | $8,403-58.2% | $7,189-51.1% | $12,270-71.4% |