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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 | $102,157 | $65,367+56.3% | $92,915+9.9% | $72,976+40.0% |
| Participation rate | 88.6% | 68.3%+20.3pp | 76.0%+12.6pp | 69.5%+19.1pp |
| Annual return | 3.70% | 42.11%-38.4pp | 109.45%-105.8pp | 81.02%-77.3pp |
| Employer contribution / active EE | $8,883 | $2,594+242.5% | $3,653+143.1% | $2,440+264.0% |
| Participant deferral / active EE | $4,235 | $3,128+35.4% | $4,238-0.1% | $3,608+17.4% |
| Admin fee / account holder | $5,222 | $4,251+22.8% | $5,796-9.9% | $5,124+1.9% |