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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 | $130,154 | $154,228-15.6% | $145,433-10.5% | $137,256-5.2% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 80.0%+20.0pp |
| Annual return | 12.21% | 74.59%-62.4pp | 66.58%-54.4pp | 220.34%-208.1pp |
| Employer contribution / active EE | $3,590 | $4,804-25.3% | $4,554-21.2% | $4,156-13.6% |
| Participant deferral / active EE | $12,902 | $8,216+57.0% | $7,897+63.4% | $6,407+101.4% |
| Admin fee / account holder | $834 | $14,344-94.2% | $13,129-93.6% | $12,270-93.2% |