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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 | $69,308 | $101,752-31.9% | $164,928-58.0% | $80,911-14.3% |
| Participation rate | 95.8% | 71.8%+24.0pp | 78.6%+17.2pp | 67.6%+28.2pp |
| Annual return | 10.12% | 16.73%-6.6pp | 70.08%-60.0pp | 35.63%-25.5pp |
| Employer contribution / active EE | $1,768 | $2,953-40.1% | $4,343-59.3% | $2,756-35.8% |
| Participant deferral / active EE | $7,971 | $4,477+78.0% | $6,034+32.1% | $4,297+85.5% |
| Admin fee / account holder | $11,906 | $8,218+44.9% | $12,684-6.1% | $6,935+71.7% |