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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 | $106,749+61.5% | $145,433+18.5% | $82,448+109.1% |
| Participation rate | 74.1% | 75.6%-1.6pp | 82.1%-8.0pp | 68.1%+6.0pp |
| Annual return | 13.29% | 27.59%-14.3pp | 66.58%-53.3pp | 41.64%-28.4pp |
| Employer contribution / active EE | $1,670 | $3,444-51.5% | $4,554-63.3% | $2,551-34.6% |
| Participant deferral / active EE | $5,119 | $6,519-21.5% | $7,897-35.2% | $4,139+23.7% |
| Admin fee / account holder | $23,103 | $8,390+175.4% | $13,129+76.0% | $7,234+219.3% |