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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 | $190,254 | $118,496+60.6% | $98,461+93.2% | $139,466+36.4% |
| Participation rate | 100.0% | 77.5%+22.5pp | 75.2%+24.8pp | 80.3%+19.7pp |
| Annual return | 7.74% | 18.96%-11.2pp | 21.17%-13.4pp | 373.66%-365.9pp |
| Employer contribution / active EE | $12,421 | $3,611+244.0% | $3,049+307.4% | $4,754+161.3% |
| Participant deferral / active EE | $17,640 | $5,393+227.1% | $4,738+272.3% | $6,712+162.8% |
| Admin fee / account holder | $2,547 | $14,056-81.9% | $8,961-71.6% | $11,409-77.7% |