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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 | $123,185 | $156,398-21.2% | $147,318-16.4% | $138,895-11.3% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 79.9%+20.1pp |
| Annual return | 10.27% | 78.75%-68.5pp | 70.43%-60.2pp | 145.39%-135.1pp |
| Employer contribution / active EE | $68,275 | $4,853+1306.8% | $4,593+1386.5% | $4,194+1527.8% |
| Participant deferral / active EE | $29,106 | $8,237+253.3% | $7,906+268.1% | $6,396+355.1% |
| Admin fee / account holder | $27,627 | $14,976+84.5% | $13,708+101.5% | $12,562+119.9% |