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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 | $122,937 | $93,617+31.3% | $135,982-9.6% | $75,177+63.5% |
| Participation rate | 100.0% | 75.2%+24.8pp | 81.9%+18.1pp | 67.2%+32.8pp |
| Annual return | 11.84% | 30.89%-19.0pp | 68.32%-56.5pp | 160.75%-148.9pp |
| Employer contribution / active EE | $7,352 | $3,538+107.8% | $4,859+51.3% | $2,671+175.2% |
| Participant deferral / active EE | $8,322 | $6,406+29.9% | $7,760+7.2% | $4,126+101.7% |
| Admin fee / account holder | $48,599 | $6,980+596.3% | $10,767+351.4% | $5,651+759.9% |