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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 | $140,448 | $175,231-19.8% | $149,696-6.2% | $139,466+0.7% |
| Participation rate | 88.9% | 83.4%+5.5pp | 78.8%+10.1pp | 80.3%+8.6pp |
| Annual return | 10.04% | 166.77%-156.7pp | 134.46%-124.4pp | 373.66%-363.6pp |
| Employer contribution / active EE | $7,251 | $5,478+32.4% | $4,821+50.4% | $4,754+52.5% |
| Participant deferral / active EE | $3,291 | $6,521-49.5% | $5,682-42.1% | $6,712-51.0% |
| Admin fee / account holder | $79,241 | $16,155+390.5% | $13,212+499.8% | $11,409+594.6% |