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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 | $38,956 | $29,319+32.9% | $52,425-25.7% | $82,448-52.8% |
| Participation rate | 83.1% | 46.9%+36.2pp | 55.6%+27.4pp | 68.1%+15.0pp |
| Annual return | 12.50% | 535.20%-522.7pp | 302.12%-289.6pp | 41.64%-29.1pp |
| Employer contribution / active EE | $3,241 | $586+452.6% | $914+254.5% | $2,551+27.0% |
| Participant deferral / active EE | $5,084 | $1,171+334.1% | $1,790+184.0% | $4,139+22.8% |
| Admin fee / account holder | $5,777 | $1,962+194.4% | $2,495+131.6% | $7,234-20.1% |