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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 | $67,110 | $93,598-28.3% | $135,974-50.6% | $75,173-10.7% |
| Participation rate | 100.0% | 75.2%+24.8pp | 81.9%+18.1pp | 67.2%+32.8pp |
| Annual return | 15.02% | 30.89%-15.9pp | 68.30%-53.3pp | 160.72%-145.7pp |
| Employer contribution / active EE | $6,999 | $3,538+97.8% | $4,859+44.0% | $2,671+162.0% |
| Participant deferral / active EE | $6,205 | $6,405-3.1% | $7,760-20.0% | $4,126+50.4% |
| Admin fee / account holder | $509 | $6,978-92.7% | $10,767-95.3% | $5,651-91.0% |