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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 | $110,516 | $100,004+10.5% | $81,438+35.7% | $145,959-24.3% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.5%+30.5pp | 80.3%+19.7pp |
| Annual return | 3.61% | 34.34%-30.7pp | 24.74%-21.1pp | 561.95%-558.3pp |
| Employer contribution / active EE | $9,633 | $2,970+224.4% | $2,460+291.5% | $4,661+106.7% |
| Participant deferral / active EE | $11,594 | $4,603+151.9% | $3,883+198.6% | $6,689+73.3% |
| Admin fee / account holder | $85,200 | $8,202+938.8% | $5,764+1378.3% | $13,398+535.9% |