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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 | $76,343 | $183,592-58.4% | $155,574-50.9% | $145,877-47.7% |
| Participation rate | 80.0% | 82.7%-2.7pp | 78.2%+1.8pp | 80.3%-0.3pp |
| Annual return | 8.75% | 61.37%-52.6pp | 64.87%-56.1pp | 551.28%-542.5pp |
| Employer contribution / active EE | $4,556 | $5,317-14.3% | $4,676-2.6% | $4,663-2.3% |
| Participant deferral / active EE | $5,274 | $6,466-18.4% | $5,629-6.3% | $6,691-21.2% |
| Admin fee / account holder | $548 | $19,316-97.2% | $15,914-96.6% | $13,402-95.9% |