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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 | $178,175 | $183,539-2.9% | $155,556+14.5% | $145,897+22.1% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 8.72% | 61.31%-52.6pp | 64.84%-56.1pp | 552.29%-543.6pp |
| Employer contribution / active EE | $1,962 | $5,315-63.1% | $4,675-58.0% | $4,663-57.9% |
| Participant deferral / active EE | $5,714 | $6,467-11.6% | $5,631+1.5% | $6,689-14.6% |
| Admin fee / account holder | $10,349 | $19,275-46.3% | $15,885-34.9% | $13,390-22.7% |