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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 | $84,029 | $99,994-16.0% | $146,643-42.7% | $85,847-2.1% |
| Participation rate | 80.0% | 73.1%+6.9pp | 80.1%-0.1pp | 69.3%+10.7pp |
| Annual return | 10.86% | 18.93%-8.1pp | 22.75%-11.9pp | 318.61%-307.7pp |
| Employer contribution / active EE | $2,834 | $2,559+10.7% | $4,137-31.5% | $2,565+10.5% |
| Participant deferral / active EE | $5,793 | $4,006+44.6% | $5,506+5.2% | $3,952+46.6% |
| Admin fee / account holder | $14,076 | $7,703+82.7% | $10,280+36.9% | $6,261+124.8% |