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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 | $44,114 | $172,111-74.4% | $150,298-70.6% | $137,256-67.9% |
| Participation rate | 83.3% | 81.7%+1.6pp | 77.8%+5.6pp | 80.0%+3.4pp |
| Annual return | 7.85% | 69.37%-61.5pp | 62.79%-54.9pp | 220.34%-212.5pp |
| Employer contribution / active EE | $5,775 | $4,636+24.6% | $4,154+39.0% | $4,156+38.9% |
| Participant deferral / active EE | $5,417 | $6,166-12.1% | $5,453-0.7% | $6,407-15.4% |
| Admin fee / account holder | $475 | $16,471-97.1% | $14,116-96.6% | $12,270-96.1% |