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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 | $69,772 | $138,366-49.6% | $184,185-62.1% | $80,911-13.8% |
| Participation rate | 100.0% | 83.9%+16.1pp | 86.8%+13.2pp | 67.6%+32.4pp |
| Annual return | 9.90% | 20.02%-10.1pp | 28.81%-18.9pp | 35.63%-25.7pp |
| Employer contribution / active EE | $8,484 | $4,849+75.0% | $6,426+32.0% | $2,756+207.9% |
| Participant deferral / active EE | $10,092 | $7,074+42.7% | $9,132+10.5% | $4,297+134.8% |
| Admin fee / account holder | $926 | $10,484-91.2% | $13,909-93.3% | $6,935-86.7% |