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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 | $65,604 | $86,294-24.0% | $111,303-41.1% | $85,856-23.6% |
| Participation rate | 90.0% | 73.3%+16.7pp | 77.3%+12.7pp | 69.3%+20.7pp |
| Annual return | 9.58% | 19.99%-10.4pp | 54.66%-45.1pp | 318.58%-309.0pp |
| Employer contribution / active EE | $2,673 | $2,043+30.8% | $2,731-2.2% | $2,565+4.2% |
| Participant deferral / active EE | $7,122 | $3,641+95.6% | $4,487+58.7% | $3,952+80.2% |
| Admin fee / account holder | $1,316 | $8,189-83.9% | $7,966-83.5% | $6,261-79.0% |