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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 | $172,380 | $99,875+72.6% | $146,866+17.4% | $86,983+98.2% |
| Participation rate | 74.1% | 75.8%-1.7pp | 82.5%-8.4pp | 69.5%+4.5pp |
| Annual return | 13.29% | 28.10%-14.8pp | 102.85%-89.6pp | 25.83%-12.5pp |
| Employer contribution / active EE | $1,670 | $3,224-48.2% | $4,425-62.3% | $2,584-35.4% |
| Participant deferral / active EE | $5,119 | $6,322-19.0% | $7,759-34.0% | $4,194+22.1% |
| Admin fee / account holder | $23,103 | $7,838+194.8% | $13,620+69.6% | $7,856+194.1% |