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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 | $63,090 | $185,312-66.0% | $161,489-60.9% | $154,746-59.2% |
| Participation rate | 82.4% | 82.5%-0.1pp | 78.7%+3.7pp | 80.7%+1.7pp |
| Annual return | 10.07% | 103.84%-93.8pp | 89.72%-79.6pp | 172.34%-162.3pp |
| Employer contribution / active EE | $5,507 | $4,769+15.5% | $4,268+29.0% | $4,379+25.8% |
| Participant deferral / active EE | $6,468 | $6,350+1.9% | $5,630+14.9% | $6,730-3.9% |
| Admin fee / account holder | $478 | $18,654-97.4% | $16,006-97.0% | $14,365-96.7% |