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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 | $240,791 | $111,814+115.3% | $93,654+157.1% | $145,959+65.0% |
| Participation rate | 90.0% | 74.2%+15.8pp | 68.7%+21.3pp | 80.3%+9.7pp |
| Annual return | 4.98% | 203.30%-198.3pp | 133.34%-128.4pp | 561.95%-557.0pp |
| Employer contribution / active EE | $2,236 | $3,092-27.7% | $2,421-7.6% | $4,661-52.0% |
| Participant deferral / active EE | $3,282 | $4,914-33.2% | $4,413-25.6% | $6,689-50.9% |
| Admin fee / account holder | $14,412 | $10,246+40.7% | $8,282+74.0% | $13,398+7.6% |