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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 | $84,285 | $74,535+13.1% | $100,712-16.3% | $82,637+2.0% |
| Participation rate | 96.2% | 61.2%+35.0pp | 69.3%+26.9pp | 68.1%+28.1pp |
| Annual return | 11.99% | 18.92%-6.9pp | 33.27%-21.3pp | 53.51%-41.5pp |
| Employer contribution / active EE | $3,513 | $1,503+133.8% | $2,313+51.9% | $2,552+37.7% |
| Participant deferral / active EE | $2,252 | $3,074-26.7% | $4,085-44.9% | $4,126-45.4% |
| Admin fee / account holder | $3,731 | $6,576-43.3% | $9,256-59.7% | $7,339-49.2% |