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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 | $58,737 | $73,981-20.6% | $105,754-44.5% | $62,881-6.6% |
| Participation rate | 97.7% | 71.7%+26.0pp | 78.9%+18.8pp | 69.3%+28.4pp |
| Annual return | 1.34% | 17.60%-16.3pp | 12.25%-10.9pp | 20.14%-18.8pp |
| Employer contribution / active EE | $1,370 | $2,856-52.0% | $4,079-66.4% | $2,281-39.9% |
| Participant deferral / active EE | $3,197 | $4,038-20.8% | $5,326-40.0% | $3,203-0.2% |
| Admin fee / account holder | $7,222 | $5,976+20.8% | $8,309-13.1% | $4,296+68.1% |