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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 | $168,896 | $154,228+9.5% | $145,433+16.1% | $137,256+23.1% |
| Participation rate | 84.6% | 83.8%+0.8pp | 82.1%+2.5pp | 80.0%+4.7pp |
| Annual return | 5.77% | 74.59%-68.8pp | 66.58%-60.8pp | 220.34%-214.6pp |
| Employer contribution / active EE | $5,121 | $4,804+6.6% | $4,554+12.4% | $4,156+23.2% |
| Participant deferral / active EE | $6,977 | $8,216-15.1% | $7,897-11.7% | $6,407+8.9% |
| Admin fee / account holder | $1,831 | $14,344-87.2% | $13,129-86.1% | $12,270-85.1% |