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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 | $87,208 | $198,457-56.1% | $170,435-48.8% | $147,586-40.9% |
| Participation rate | 100.0% | 88.0%+12.0pp | 83.6%+16.4pp | 82.8%+17.2pp |
| Annual return | 6.70% | 257.30%-250.6pp | 205.94%-199.2pp | 578.59%-571.9pp |
| Employer contribution / active EE | $7,191 | $6,183+16.3% | $5,432+32.4% | $4,876+47.5% |
| Participant deferral / active EE | $5,578 | $5,629-0.9% | $4,939+12.9% | $5,439+2.6% |
| Admin fee / account holder | $8,019 | $16,852-52.4% | $13,881-42.2% | $10,886-26.3% |