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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 | $203,121 | $148,623+36.7% | $135,974+49.4% | $139,466+45.6% |
| Participation rate | 87.5% | 83.9%+3.6pp | 81.9%+5.6pp | 80.3%+7.2pp |
| Annual return | 11.95% | 79.30%-67.3pp | 68.30%-56.4pp | 373.66%-361.7pp |
| Employer contribution / active EE | $5,020 | $5,246-4.3% | $4,859+3.3% | $4,754+5.6% |
| Participant deferral / active EE | $8,829 | $8,103+9.0% | $7,760+13.8% | $6,712+31.5% |
| Admin fee / account holder | $14,147 | $12,406+14.0% | $10,767+31.4% | $11,409+24.0% |