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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 | $176,786 | $135,956+30.0% | $123,894+42.7% | $273,972-35.5% |
| Participation rate | 88.9% | 84.1%+4.8pp | 81.4%+7.5pp | 83.0%+5.9pp |
| Annual return | 3.04% | 56.63%-53.6pp | 47.52%-44.5pp | 41.46%-38.4pp |
| Employer contribution / active EE | $2,976 | $5,170-42.4% | $4,617-35.5% | $4,869-38.9% |
| Participant deferral / active EE | $4,354 | $6,343-31.4% | $5,984-27.2% | $5,287-17.6% |
| Admin fee / account holder | $1,352 | $9,817-86.2% | $8,357-83.8% | $10,133-86.7% |