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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 | $46,815 | $106,749-56.1% | $145,433-67.8% | $82,448-43.2% |
| Participation rate | 74.2% | 75.6%-1.5pp | 82.1%-7.9pp | 68.1%+6.1pp |
| Annual return | 12.44% | 27.59%-15.2pp | 66.58%-54.1pp | 41.64%-29.2pp |
| Employer contribution / active EE | $4,766 | $3,444+38.4% | $4,554+4.6% | $2,551+86.8% |
| Participant deferral / active EE | $2,527 | $6,519-61.2% | $7,897-68.0% | $4,139-39.0% |
| Admin fee / account holder | $1,163 | $8,390-86.1% | $13,129-91.1% | $7,234-83.9% |