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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 | $132,952 | $98,776+34.6% | $149,745-11.2% | $79,856+66.5% |
| Participation rate | 95.5% | 75.8%+19.7pp | 82.5%+13.0pp | 69.6%+25.8pp |
| Annual return | 10.92% | 27.38%-16.5pp | 276.72%-265.8pp | 31.71%-20.8pp |
| Employer contribution / active EE | $5,115 | $3,217+59.0% | $4,646+10.1% | $2,471+107.0% |
| Participant deferral / active EE | $7,869 | $5,681+38.5% | $6,843+15.0% | $3,741+110.4% |
| Admin fee / account holder | $620 | $6,053-89.8% | $9,312-93.3% | $5,306-88.3% |