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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 | $20,752 | $57,590-64.0% | $86,233-75.9% | $82,448-74.8% |
| Participation rate | 96.2% | 57.9%+38.3pp | 69.0%+27.1pp | 68.1%+28.1pp |
| Annual return | 11.23% | 22.41%-11.2pp | 61.39%-50.2pp | 41.64%-30.4pp |
| Employer contribution / active EE | $3,407 | $1,655+105.8% | $2,504+36.0% | $2,551+33.6% |
| Participant deferral / active EE | $1,814 | $3,080-41.1% | $4,559-60.2% | $4,139-56.2% |
| Admin fee / account holder | $18,681 | $4,730+294.9% | $8,342+123.9% | $7,234+158.2% |