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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 | $71,121 | $54,757+29.9% | $90,304-21.2% | $72,975-2.5% |
| Participation rate | 73.1% | 65.2%+7.9pp | 73.3%-0.2pp | 69.5%+3.6pp |
| Annual return | 16.28% | 30.63%-14.4pp | 78.13%-61.9pp | 81.01%-64.7pp |
| Employer contribution / active EE | $0 | $2,093-100.0% | $2,855-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $4,782 | $2,887+65.6% | $3,885+23.1% | $3,608+32.6% |
| Admin fee / account holder | $92,285 | $3,973+2222.7% | $5,354+1623.7% | $5,124+1701.0% |