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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 | $197,749 | $201,372-1.8% | $184,260+7.3% | $145,884+35.6% |
| Participation rate | 83.3% | 87.5%-4.2pp | 86.8%-3.5pp | 80.3%+3.0pp |
| Annual return | 8.16% | 29.04%-20.9pp | 28.84%-20.7pp | 551.85%-543.7pp |
| Employer contribution / active EE | $11,589 | $7,024+65.0% | $6,427+80.3% | $4,662+148.6% |
| Participant deferral / active EE | $17,511 | $9,808+78.5% | $9,133+91.7% | $6,690+161.8% |
| Admin fee / account holder | $10,689 | $16,362-34.7% | $13,898-23.1% | $13,392-20.2% |