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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 | $46,347 | $177,156-73.8% | $147,027-68.5% | $154,746-70.0% |
| Participation rate | 100.0% | 79.4%+20.6pp | 73.7%+26.3pp | 80.7%+19.3pp |
| Annual return | 6.61% | 21.94%-15.3pp | 20.23%-13.6pp | 172.34%-165.7pp |
| Employer contribution / active EE | $1,460 | $4,336-66.3% | $3,626-59.7% | $4,379-66.7% |
| Participant deferral / active EE | $7,023 | $5,797+21.2% | $4,933+42.4% | $6,730+4.3% |
| Admin fee / account holder | $729 | $14,904-95.1% | $12,223-94.0% | $14,365-94.9% |