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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 | $46,141 | $83,485-44.7% | $125,195-63.1% | $72,976-36.8% |
| Participation rate | 89.7% | 73.3%+16.4pp | 79.8%+9.9pp | 69.5%+20.2pp |
| Annual return | 2.02% | 25.77%-23.7pp | 43.79%-41.8pp | 81.02%-79.0pp |
| Employer contribution / active EE | $3,942 | $2,346+68.0% | $3,866+2.0% | $2,440+61.5% |
| Participant deferral / active EE | $3,569 | $3,586-0.5% | $4,937-27.7% | $3,608-1.1% |
| Admin fee / account holder | $7,469 | $5,518+35.4% | $9,704-23.0% | $5,124+45.8% |