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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 | $133,049 | $70,430+88.9% | $96,572+37.8% | $85,851+55.0% |
| Participation rate | 100.0% | 61.8%+38.2pp | 69.8%+30.2pp | 69.3%+30.7pp |
| Annual return | 7.66% | 18.58%-10.9pp | 37.79%-30.1pp | 318.63%-311.0pp |
| Employer contribution / active EE | $5,525 | $1,413+290.9% | $2,357+134.4% | $2,565+115.3% |
| Participant deferral / active EE | $5,319 | $2,894+83.8% | $3,850+38.2% | $3,952+34.6% |
| Admin fee / account holder | $13,639 | $4,996+173.0% | $6,183+120.6% | $6,261+117.8% |