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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 | $210,741 | $106,247+98.3% | $96,515+118.4% | $139,466+51.1% |
| Participation rate | 100.0% | 77.8%+22.2pp | 74.3%+25.7pp | 80.3%+19.7pp |
| Annual return | 7.78% | 38.47%-30.7pp | 35.73%-28.0pp | 373.66%-365.9pp |
| Employer contribution / active EE | $6,578 | $4,106+60.2% | $3,740+75.9% | $4,754+38.4% |
| Participant deferral / active EE | $13,640 | $5,456+150.0% | $4,880+179.5% | $6,712+103.2% |
| Admin fee / account holder | $2,664 | $7,885-66.2% | $6,735-60.4% | $11,409-76.6% |