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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 | $124,715 | $91,198+36.8% | $178,503-30.1% | $79,856+56.2% |
| Participation rate | 92.0% | 69.2%+22.8pp | 81.9%+10.1pp | 69.6%+22.4pp |
| Annual return | 8.77% | 24.20%-15.4pp | 151.12%-142.4pp | 31.71%-22.9pp |
| Employer contribution / active EE | $1,937 | $3,257-40.5% | $5,011-61.4% | $2,471-21.6% |
| Participant deferral / active EE | $3,732 | $3,237+15.3% | $5,202-28.3% | $3,741-0.2% |
| Admin fee / account holder | $531 | $6,748-92.1% | $13,987-96.2% | $5,306-90.0% |