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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 | $158,193 | $157,304+0.6% | $141,197+12.0% | $152,909+3.5% |
| Participation rate | 91.7% | 84.8%+6.8pp | 82.5%+9.2pp | 82.5%+9.2pp |
| Annual return | 10.64% | 64.34%-53.7pp | 71.41%-60.8pp | 345.46%-334.8pp |
| Employer contribution / active EE | $14,563 | $5,263+176.7% | $4,736+207.5% | $4,764+205.7% |
| Participant deferral / active EE | $10,645 | $7,111+49.7% | $6,710+58.6% | $5,851+81.9% |
| Admin fee / account holder | $31,433 | $12,126+159.2% | $10,265+206.2% | $11,601+171.0% |