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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 | $165,838 | $101,798+62.9% | $165,071+0.5% | $80,935+104.9% |
| Participation rate | 100.0% | 71.8%+28.2pp | 78.6%+21.4pp | 67.7%+32.3pp |
| Annual return | 9.77% | 16.73%-7.0pp | 70.17%-60.4pp | 35.66%-25.9pp |
| Employer contribution / active EE | $5,814 | $2,954+96.8% | $4,347+33.7% | $2,757+110.9% |
| Participant deferral / active EE | $6,784 | $4,476+51.5% | $6,035+12.4% | $4,299+57.8% |
| Admin fee / account holder | $5,254 | $8,221-36.1% | $12,695-58.6% | $6,924-24.1% |