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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 | $56,433 | $93,064-39.4% | $74,577-24.3% | $273,972-79.4% |
| Participation rate | 83.3% | 74.9%+8.4pp | 68.1%+15.2pp | 83.0%+0.3pp |
| Annual return | 1.55% | 26.18%-24.6pp | 20.47%-18.9pp | 41.46%-39.9pp |
| Employer contribution / active EE | $1,426 | $3,160-54.9% | $2,525-43.5% | $4,869-70.7% |
| Participant deferral / active EE | $3,963 | $4,160-4.7% | $3,458+14.6% | $5,287-25.0% |
| Admin fee / account holder | $1,068 | $5,273-79.7% | $4,138-74.2% | $10,133-89.5% |