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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 | $110,174 | $57,590+91.3% | $86,233+27.8% | $82,448+33.6% |
| Participation rate | 100.0% | 57.9%+42.1pp | 69.0%+31.0pp | 68.1%+31.9pp |
| Annual return | 12.05% | 22.41%-10.4pp | 61.39%-49.3pp | 41.64%-29.6pp |
| Employer contribution / active EE | $1,605 | $1,655-3.0% | $2,504-35.9% | $2,551-37.1% |
| Participant deferral / active EE | $2,751 | $3,080-10.7% | $4,559-39.7% | $4,139-33.5% |
| Admin fee / account holder | $809 | $4,730-82.9% | $8,342-90.3% | $7,234-88.8% |