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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 | $60,998 | $75,541-19.3% | $152,093-59.9% | $82,637-26.2% |
| Participation rate | 92.0% | 66.5%+25.5pp | 77.8%+14.2pp | 68.1%+23.9pp |
| Annual return | 9.68% | 32.56%-22.9pp | 66.36%-56.7pp | 53.51%-43.8pp |
| Employer contribution / active EE | $3,563 | $2,622+35.9% | $4,175-14.7% | $2,552+39.6% |
| Participant deferral / active EE | $4,220 | $3,206+31.6% | $5,451-22.6% | $4,126+2.3% |
| Admin fee / account holder | $14,740 | $6,405+130.2% | $14,497+1.7% | $7,339+100.9% |