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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 | $110,053 | $171,272-35.7% | $127,803-13.9% | $152,909-28.0% |
| Participation rate | 100.0% | 83.5%+16.5pp | 79.0%+21.0pp | 82.5%+17.5pp |
| Annual return | 7.23% | 23.54%-16.3pp | 26.14%-18.9pp | 345.46%-338.2pp |
| Employer contribution / active EE | $5,668 | $5,451+4.0% | $4,576+23.9% | $4,764+19.0% |
| Participant deferral / active EE | $8,572 | $7,043+21.7% | $6,023+42.3% | $5,851+46.5% |
| Admin fee / account holder | $1,238 | $14,540-91.5% | $9,399-86.8% | $11,601-89.3% |