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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 | $246,234 | $167,362+47.1% | $143,799+71.2% | $134,532+83.0% |
| Participation rate | 83.3% | 84.8%-1.5pp | 80.3%+3.0pp | 81.2%+2.1pp |
| Annual return | -20.53% | 0.47%-21.0pp | -0.04%-20.5pp | 418.27%-438.8pp |
| Employer contribution / active EE | $6,554 | $5,620+16.6% | $4,952+32.3% | $4,741+38.2% |
| Participant deferral / active EE | $23,924 | $6,447+271.1% | $5,638+324.3% | $6,401+273.8% |
| Admin fee / account holder | $2,575 | $18,094-85.8% | $14,677-82.5% | $11,429-77.5% |