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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 | $226,819 | $154,228+47.1% | $145,433+56.0% | $137,256+65.3% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 80.0%+20.0pp |
| Annual return | 12.31% | 74.59%-62.3pp | 66.58%-54.3pp | 220.34%-208.0pp |
| Employer contribution / active EE | $4,720 | $4,804-1.7% | $4,554+3.6% | $4,156+13.6% |
| Participant deferral / active EE | $11,855 | $8,216+44.3% | $7,897+50.1% | $6,407+85.0% |
| Admin fee / account holder | $404 | $14,344-97.2% | $13,129-96.9% | $12,270-96.7% |