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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 | $57,727 | $212,386-72.8% | $199,883-71.1% | $138,895-58.4% |
| Participation rate | 87.5% | 87.4%+0.1pp | 86.8%+0.7pp | 79.9%+7.6pp |
| Annual return | 9.36% | 47.75%-38.4pp | 43.81%-34.4pp | 145.39%-136.0pp |
| Employer contribution / active EE | $3,651 | $6,625-44.9% | $6,261-41.7% | $4,194-13.0% |
| Participant deferral / active EE | $5,363 | $9,617-44.2% | $9,138-41.3% | $6,396-16.1% |
| Admin fee / account holder | $3,552 | $18,233-80.5% | $17,268-79.4% | $12,562-71.7% |