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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 | $80,568 | $98,776-18.4% | $149,745-46.2% | $79,856+0.9% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.5%+17.5pp | 69.6%+30.4pp |
| Annual return | 9.05% | 27.38%-18.3pp | 276.72%-267.7pp | 31.71%-22.7pp |
| Employer contribution / active EE | $9,259 | $3,217+187.8% | $4,646+99.3% | $2,471+274.7% |
| Participant deferral / active EE | $8,447 | $5,681+48.7% | $6,843+23.4% | $3,741+125.8% |
| Admin fee / account holder | $1,861 | $6,053-69.2% | $9,312-80.0% | $5,306-64.9% |