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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 | $62,765 | $76,551-18.0% | $123,894-49.3% | $62,881-0.2% |
| Participation rate | 71.7% | 73.0%-1.2pp | 81.4%-9.7pp | 69.3%+2.4pp |
| Annual return | 5.66% | 18.68%-13.0pp | 47.52%-41.9pp | 20.14%-14.5pp |
| Employer contribution / active EE | $2,899 | $2,882+0.6% | $4,617-37.2% | $2,281+27.1% |
| Participant deferral / active EE | $7,511 | $4,840+55.2% | $5,984+25.5% | $3,203+134.5% |
| Admin fee / account holder | $7,014 | $4,826+45.3% | $8,357-16.1% | $4,296+63.3% |