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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 | $111,747 | $110,337+1.3% | $102,383+9.1% | $145,877-23.4% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 8.63% | 24.83%-16.2pp | 24.94%-16.3pp | 551.28%-542.7pp |
| Employer contribution / active EE | $20,948 | $4,216+396.9% | $3,870+441.3% | $4,663+349.2% |
| Participant deferral / active EE | $19,335 | $5,621+244.0% | $5,060+282.1% | $6,691+189.0% |
| Admin fee / account holder | $744 | $9,750-92.4% | $8,391-91.1% | $13,402-94.5% |