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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 | $99,544 | $88,672+12.3% | $105,223-5.4% | $82,448+20.7% |
| Participation rate | 80.0% | 67.9%+12.1pp | 75.0%+5.0pp | 68.1%+11.9pp |
| Annual return | 12.01% | 30.86%-18.8pp | 180.65%-168.6pp | 41.64%-29.6pp |
| Employer contribution / active EE | $4,370 | $3,048+43.4% | $3,689+18.5% | $2,551+71.3% |
| Participant deferral / active EE | $8,827 | $4,036+118.7% | $5,072+74.0% | $4,139+113.2% |
| Admin fee / account holder | $1,552 | $7,146-78.3% | $8,859-82.5% | $7,234-78.5% |