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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 | $20,616 | $81,358-74.7% | $155,556-86.7% | $80,959-74.5% |
| Participation rate | 100.0% | 66.3%+33.7pp | 78.2%+21.8pp | 67.7%+32.3pp |
| Annual return | 7.97% | 33.39%-25.4pp | 64.84%-56.9pp | 35.67%-27.7pp |
| Employer contribution / active EE | $6,219 | $3,106+100.2% | $4,675+33.0% | $2,757+125.6% |
| Participant deferral / active EE | $3,098 | $3,455-10.3% | $5,631-45.0% | $4,300-28.0% |
| Admin fee / account holder | $406 | $7,994-94.9% | $15,885-97.4% | $6,925-94.1% |