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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 | $133,587 | $97,751+36.7% | $103,431+29.2% | $145,978-8.5% |
| Participation rate | 100.0% | 81.1%+18.9pp | 80.5%+19.5pp | 80.3%+19.7pp |
| Annual return | 5.45% | 25.43%-20.0pp | 23.92%-18.5pp | 550.52%-545.1pp |
| Employer contribution / active EE | $28,150 | $4,684+501.0% | $4,678+501.8% | $4,662+503.8% |
| Participant deferral / active EE | $2,013 | $6,603-69.5% | $6,625-69.6% | $6,690-69.9% |
| Admin fee / account holder | $72,839 | $12,515+482.0% | $9,412+673.9% | $13,400+443.6% |