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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 | $224,529 | $156,398+43.6% | $147,318+52.4% | $138,895+61.7% |
| Participation rate | 95.2% | 83.8%+11.5pp | 82.1%+13.2pp | 79.9%+15.3pp |
| Annual return | 9.88% | 78.75%-68.9pp | 70.43%-60.5pp | 145.39%-135.5pp |
| Employer contribution / active EE | $2,471 | $4,853-49.1% | $4,593-46.2% | $4,194-41.1% |
| Participant deferral / active EE | $6,544 | $8,237-20.6% | $7,906-17.2% | $6,396+2.3% |
| Admin fee / account holder | $2,611 | $14,976-82.6% | $13,708-81.0% | $12,562-79.2% |