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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 | $87,189 | $129,737-32.8% | $119,126-26.8% | $154,746-43.7% |
| Participation rate | 100.0% | 78.9%+21.1pp | 75.8%+24.2pp | 80.7%+19.3pp |
| Annual return | 8.81% | 379.08%-370.3pp | 282.11%-273.3pp | 172.34%-163.5pp |
| Employer contribution / active EE | $2,173 | $4,375-50.3% | $4,034-46.1% | $4,379-50.4% |
| Participant deferral / active EE | $9,360 | $5,842+60.2% | $5,318+76.0% | $6,730+39.1% |
| Admin fee / account holder | $1,354 | $11,961-88.7% | $10,693-87.3% | $14,365-90.6% |