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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 | $220,481 | $87,166+152.9% | $76,735+187.3% | $137,256+60.6% |
| Participation rate | 100.0% | 74.4%+25.6pp | 69.5%+30.5pp | 80.0%+20.0pp |
| Annual return | 10.38% | 26.50%-16.1pp | 29.77%-19.4pp | 220.34%-210.0pp |
| Employer contribution / active EE | $5,462 | $2,904+88.1% | $2,454+122.6% | $4,156+31.4% |
| Participant deferral / active EE | $2,187 | $4,726-53.7% | $4,088-46.5% | $6,407-65.9% |
| Admin fee / account holder | $5,803 | $8,403-30.9% | $7,189-19.3% | $12,270-52.7% |