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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 | $107,452 | $72,071+49.1% | $68,368+57.2% | $137,256-21.7% |
| Participation rate | 84.6% | 76.2%+8.4pp | 73.8%+10.9pp | 80.0%+4.7pp |
| Annual return | 11.98% | 353.14%-341.2pp | 292.57%-280.6pp | 220.34%-208.4pp |
| Employer contribution / active EE | $1,381 | $2,788-50.5% | $2,649-47.9% | $4,156-66.8% |
| Participant deferral / active EE | $3,451 | $4,410-21.8% | $4,123-16.3% | $6,407-46.1% |
| Admin fee / account holder | $11,518 | $5,336+115.9% | $5,150+123.7% | $12,270-6.1% |