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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 | $160,907 | $183,592-12.4% | $155,567+3.4% | $145,959+10.2% |
| Participation rate | 80.0% | 82.7%-2.7pp | 78.2%+1.8pp | 80.3%-0.3pp |
| Annual return | 8.30% | 61.24%-52.9pp | 64.74%-56.4pp | 561.95%-553.6pp |
| Employer contribution / active EE | $15,664 | $5,315+194.7% | $4,674+235.1% | $4,661+236.1% |
| Participant deferral / active EE | $10,523 | $6,464+62.8% | $5,628+87.0% | $6,689+57.3% |
| Admin fee / account holder | $2,141 | $19,318-88.9% | $15,916-86.5% | $13,398-84.0% |