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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 | $56,096 | $57,119-1.8% | $85,187-34.1% | $80,935-30.7% |
| Participation rate | 92.9% | 56.4%+36.4pp | 67.5%+25.3pp | 67.7%+25.2pp |
| Annual return | 9.25% | 21.70%-12.4pp | 66.67%-57.4pp | 35.66%-26.4pp |
| Employer contribution / active EE | $3,710 | $1,802+106.0% | $2,732+35.8% | $2,757+34.6% |
| Participant deferral / active EE | $4,788 | $3,115+53.7% | $4,525+5.8% | $4,299+11.4% |
| Admin fee / account holder | $1,355 | $4,990-72.8% | $6,162-78.0% | $6,924-80.4% |