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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 | $196,636 | $165,939+18.5% | $122,354+60.7% | $147,586+33.2% |
| Participation rate | 100.0% | 79.6%+20.4pp | 71.6%+28.4pp | 82.8%+17.2pp |
| Annual return | 4.89% | 34.56%-29.7pp | 30.28%-25.4pp | 578.59%-573.7pp |
| Employer contribution / active EE | $11,667 | $5,754+102.7% | $4,051+188.0% | $4,876+139.2% |
| Participant deferral / active EE | $8,000 | $4,005+99.7% | $3,287+143.4% | $5,439+47.1% |
| Admin fee / account holder | $1,483 | $7,425-80.0% | $5,479-72.9% | $10,886-86.4% |