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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 | $64,786 | $148,582-56.4% | $135,942-52.3% | $139,456-53.5% |
| Participation rate | 73.7% | 83.9%-10.2pp | 81.9%-8.2pp | 80.3%-6.6pp |
| Annual return | 11.30% | 79.26%-68.0pp | 68.28%-57.0pp | 373.45%-362.2pp |
| Employer contribution / active EE | $3,949 | $5,245-24.7% | $4,858-18.7% | $4,753-16.9% |
| Participant deferral / active EE | $7,320 | $8,101-9.6% | $7,759-5.7% | $6,711+9.1% |
| Admin fee / account holder | $2,558 | $12,402-79.4% | $10,764-76.2% | $11,407-77.6% |