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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 | $55,538 | $81,331-31.7% | $155,534-64.3% | $80,935-31.4% |
| Participation rate | 96.0% | 66.3%+29.7pp | 78.2%+17.8pp | 67.7%+28.3pp |
| Annual return | 8.44% | 33.37%-24.9pp | 64.92%-56.5pp | 35.66%-27.2pp |
| Employer contribution / active EE | $3,665 | $3,105+18.0% | $4,675-21.6% | $2,757+32.9% |
| Participant deferral / active EE | $4,585 | $3,454+32.7% | $5,630-18.6% | $4,299+6.6% |
| Admin fee / account holder | $5,397 | $7,999-32.5% | $15,900-66.1% | $6,924-22.1% |