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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 | $118,891 | $110,039+8.0% | $97,260+22.2% | $145,884-18.5% |
| Participation rate | 85.7% | 75.9%+9.8pp | 72.7%+13.1pp | 80.3%+5.4pp |
| Annual return | 7.59% | 244.44%-236.9pp | 75.54%-67.9pp | 551.85%-544.3pp |
| Employer contribution / active EE | $11,909 | $3,074+287.4% | $2,721+337.6% | $4,662+155.4% |
| Participant deferral / active EE | $6,179 | $4,674+32.2% | $4,262+45.0% | $6,690-7.6% |
| Admin fee / account holder | $308 | $6,204-95.0% | $5,640-94.5% | $13,392-97.7% |