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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 | $54,763 | $86,919-37.0% | $102,457-46.5% | $80,911-32.3% |
| Participation rate | 81.8% | 72.4%+9.4pp | 76.5%+5.3pp | 67.6%+14.2pp |
| Annual return | 8.50% | 18.90%-10.4pp | 29.41%-20.9pp | 35.63%-27.1pp |
| Employer contribution / active EE | $2,006 | $2,368-15.3% | $3,022-33.6% | $2,756-27.2% |
| Participant deferral / active EE | $3,113 | $4,119-24.4% | $5,054-38.4% | $4,297-27.5% |
| Admin fee / account holder | $3,329 | $8,049-58.6% | $9,451-64.8% | $6,935-52.0% |