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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 | $209,508 | $228,395-8.3% | $185,861+12.7% | $158,982+31.8% |
| Participation rate | 100.0% | 82.3%+17.7pp | 78.0%+22.0pp | 82.0%+18.0pp |
| Annual return | 2.64% | 40.82%-38.2pp | 35.96%-33.3pp | 302.99%-300.4pp |
| Employer contribution / active EE | $10,000 | $4,968+101.3% | $4,088+144.6% | $4,763+110.0% |
| Participant deferral / active EE | $4,847 | $6,417-24.5% | $5,634-14.0% | $5,983-19.0% |
| Admin fee / account holder | $1,774 | $11,869-85.1% | $9,503-81.3% | $11,252-84.2% |