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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 | $117,512 | $115,225+2.0% | $100,712+16.7% | $138,895-15.4% |
| Participation rate | 100.0% | 74.3%+25.7pp | 69.3%+30.7pp | 79.9%+20.1pp |
| Annual return | 8.70% | 40.35%-31.7pp | 33.27%-24.6pp | 145.39%-136.7pp |
| Employer contribution / active EE | $1,567 | $2,771-43.4% | $2,313-32.2% | $4,194-62.6% |
| Participant deferral / active EE | $7,266 | $4,699+54.6% | $4,085+77.9% | $6,396+13.6% |
| Admin fee / account holder | $41,153 | $10,844+279.5% | $9,256+344.6% | $12,562+227.6% |