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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 | $29,583 | $172,111-82.8% | $150,298-80.3% | $137,256-78.4% |
| Participation rate | 70.0% | 81.7%-11.7pp | 77.8%-7.8pp | 80.0%-10.0pp |
| Annual return | 11.05% | 69.37%-58.3pp | 62.79%-51.7pp | 220.34%-209.3pp |
| Employer contribution / active EE | $9,181 | $4,636+98.0% | $4,154+121.0% | $4,156+120.9% |
| Participant deferral / active EE | $3,612 | $6,166-41.4% | $5,453-33.7% | $6,407-43.6% |
| Admin fee / account holder | $1,035 | $16,471-93.7% | $14,116-92.7% | $12,270-91.6% |