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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 | $111,741 | $115,917-3.6% | $100,535+11.1% | $158,982-29.7% |
| Participation rate | 100.0% | 81.6%+18.4pp | 79.4%+20.6pp | 82.0%+18.0pp |
| Annual return | 6.47% | 34.80%-28.3pp | 30.90%-24.4pp | 302.99%-296.5pp |
| Employer contribution / active EE | $10,881 | $4,105+165.0% | $3,419+218.3% | $4,763+128.4% |
| Participant deferral / active EE | $6,074 | $6,677-9.0% | $6,271-3.2% | $5,983+1.5% |
| Admin fee / account holder | $11,148 | $11,002+1.3% | $8,085+37.9% | $11,252-0.9% |