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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 | $65,216 | $60,349+8.1% | $74,184-12.1% | $62,881+3.7% |
| Participation rate | 97.6% | 72.7%+24.8pp | 76.6%+20.9pp | 69.3%+28.3pp |
| Annual return | 3.60% | 21.38%-17.8pp | 17.74%-14.1pp | 20.14%-16.5pp |
| Employer contribution / active EE | $1,934 | $1,680+15.1% | $2,370-18.4% | $2,281-15.2% |
| Participant deferral / active EE | $3,009 | $2,856+5.3% | $3,550-15.2% | $3,203-6.1% |
| Admin fee / account holder | $1,483 | $4,261-65.2% | $5,586-73.5% | $4,296-65.5% |