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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 | $70,389 | $156,398-55.0% | $147,318-52.2% | $138,895-49.3% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 79.9%+20.1pp |
| Annual return | 10.06% | 78.75%-68.7pp | 70.43%-60.4pp | 145.39%-135.3pp |
| Employer contribution / active EE | $2,135 | $4,853-56.0% | $4,593-53.5% | $4,194-49.1% |
| Participant deferral / active EE | $4,413 | $8,237-46.4% | $7,906-44.2% | $6,396-31.0% |
| Admin fee / account holder | $803 | $14,976-94.6% | $13,708-94.1% | $12,562-93.6% |