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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 | $114,100 | $57,140+99.7% | $85,240+33.9% | $80,959+40.9% |
| Participation rate | 100.0% | 56.4%+43.6pp | 67.5%+32.5pp | 67.7%+32.3pp |
| Annual return | 8.88% | 21.71%-12.8pp | 66.75%-57.9pp | 35.67%-26.8pp |
| Employer contribution / active EE | $5,062 | $1,802+180.9% | $2,735+85.0% | $2,757+83.6% |
| Participant deferral / active EE | $3,011 | $3,115-3.3% | $4,527-33.5% | $4,300-30.0% |
| Admin fee / account holder | $10,116 | $4,992+102.7% | $6,165+64.1% | $6,925+46.1% |