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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 | $217,172 | $160,028+35.7% | $147,080+47.7% | $145,884+48.9% |
| Participation rate | 80.0% | 84.0%-4.0pp | 82.2%-2.2pp | 80.3%-0.3pp |
| Annual return | 6.85% | 98.60%-91.7pp | 420.17%-413.3pp | 551.85%-545.0pp |
| Employer contribution / active EE | $8,423 | $5,286+59.3% | $4,933+70.7% | $4,662+80.7% |
| Participant deferral / active EE | $7,038 | $8,422-16.4% | $8,066-12.7% | $6,690+5.2% |
| Admin fee / account holder | $2,901 | $15,030-80.7% | $12,989-77.7% | $13,392-78.3% |