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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 | $132,014 | $118,869+11.1% | $96,575+36.7% | $167,518-21.2% |
| Participation rate | 93.3% | 75.5%+17.8pp | 69.8%+23.5pp | 82.1%+11.2pp |
| Annual return | 7.55% | 50.49%-42.9pp | 37.79%-30.2pp | 478.71%-471.2pp |
| Employer contribution / active EE | $5,670 | $3,120+81.7% | $2,357+140.6% | $4,838+17.2% |
| Participant deferral / active EE | $7,115 | $4,616+54.1% | $3,849+84.8% | $6,342+12.2% |
| Admin fee / account holder | $872 | $8,067-89.2% | $6,182-85.9% | $12,312-92.9% |