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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 | $108,981 | $51,631+111.1% | $129,397-15.8% | $80,925+34.7% |
| Participation rate | 93.9% | 56.9%+37.0pp | 69.6%+24.3pp | 67.7%+26.3pp |
| Annual return | 7.53% | 20.77%-13.2pp | 9453.98%-9446.5pp | 35.65%-28.1pp |
| Employer contribution / active EE | $6,844 | $1,583+332.3% | $4,154+64.7% | $2,756+148.3% |
| Participant deferral / active EE | $3,977 | $2,670+48.9% | $4,167-4.6% | $4,299-7.5% |
| Admin fee / account holder | $1,004 | $4,309-76.7% | $7,679-86.9% | $6,940-85.5% |