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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 | $133,948 | $156,398-14.4% | $147,318-9.1% | $138,895-3.6% |
| Participation rate | 91.7% | 83.8%+7.9pp | 82.1%+9.6pp | 79.9%+11.7pp |
| Annual return | 10.60% | 78.75%-68.1pp | 70.43%-59.8pp | 145.39%-134.8pp |
| Employer contribution / active EE | $1,224 | $4,853-74.8% | $4,593-73.3% | $4,194-70.8% |
| Participant deferral / active EE | $7,632 | $8,237-7.4% | $7,906-3.5% | $6,396+19.3% |
| Admin fee / account holder | $15,004 | $14,976+0.2% | $13,708+9.5% | $12,562+19.4% |