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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 | $52,604 | $73,955-28.9% | $96,520-45.5% | $75,181-30.0% |
| Participation rate | 78.1% | 66.4%+11.7pp | 74.3%+3.8pp | 67.2%+10.9pp |
| Annual return | 12.94% | 26.72%-13.8pp | 35.72%-22.8pp | 160.69%-147.7pp |
| Employer contribution / active EE | $1,980 | $2,930-32.4% | $3,739-47.0% | $2,671-25.9% |
| Participant deferral / active EE | $5,742 | $3,659+56.9% | $4,879+17.7% | $4,126+39.2% |
| Admin fee / account holder | $1,744 | $5,217-66.6% | $6,733-74.1% | $5,650-69.1% |