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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 | $117,574 | $91,198+28.9% | $178,503-34.1% | $79,856+47.2% |
| Participation rate | 73.2% | 69.2%+4.0pp | 81.9%-8.8pp | 69.6%+3.5pp |
| Annual return | 4.97% | 24.20%-19.2pp | 151.12%-146.1pp | 31.71%-26.7pp |
| Employer contribution / active EE | $604 | $3,257-81.5% | $5,011-87.9% | $2,471-75.6% |
| Participant deferral / active EE | $1,696 | $3,237-47.6% | $5,202-67.4% | $3,741-54.7% |
| Admin fee / account holder | $4,327 | $6,748-35.9% | $13,987-69.1% | $5,306-18.5% |