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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 | $38,718 | $47,848-19.1% | $81,473-52.5% | $70,126-44.8% |
| Participation rate | 79.3% | 58.3%+21.0pp | 68.0%+11.4pp | 69.5%+9.8pp |
| Annual return | 11.97% | 27.25%-15.3pp | 38.78%-26.8pp | 73.15%-61.2pp |
| Employer contribution / active EE | $3,079 | $1,527+101.6% | $2,568+19.9% | $2,343+31.4% |
| Participant deferral / active EE | $3,665 | $2,453+49.4% | $3,537+3.6% | $3,332+10.0% |
| Admin fee / account holder | $515 | $3,145-83.6% | $4,561-88.7% | $4,645-88.9% |