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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 | $112,423 | $97,125+15.8% | $86,233+30.4% | $137,256-18.1% |
| Participation rate | 93.3% | 74.2%+19.1pp | 69.0%+24.3pp | 80.0%+13.4pp |
| Annual return | 10.41% | 74.19%-63.8pp | 61.39%-51.0pp | 220.34%-209.9pp |
| Employer contribution / active EE | $1,436 | $2,841-49.5% | $2,504-42.7% | $4,156-65.4% |
| Participant deferral / active EE | $4,721 | $5,180-8.9% | $4,559+3.5% | $6,407-26.3% |
| Admin fee / account holder | $1,933 | $9,725-80.1% | $8,342-76.8% | $12,270-84.2% |