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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 | $41,577 | $81,504-49.0% | $102,437-59.4% | $80,959-48.6% |
| Participation rate | 100.0% | 66.9%+33.1pp | 74.5%+25.5pp | 67.7%+32.3pp |
| Annual return | 9.38% | 25.60%-16.2pp | 24.95%-15.6pp | 35.67%-26.3pp |
| Employer contribution / active EE | $2,633 | $3,104-15.2% | $3,871-32.0% | $2,757-4.5% |
| Participant deferral / active EE | $3,641 | $3,871-5.9% | $5,060-28.0% | $4,300-15.3% |
| Admin fee / account holder | $2,106 | $6,719-68.7% | $8,388-74.9% | $6,925-69.6% |