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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 | $128,465 | $100,139+28.3% | $85,187+50.8% | $145,884-11.9% |
| Participation rate | 71.4% | 74.1%-2.7pp | 67.5%+3.9pp | 80.3%-8.9pp |
| Annual return | 7.87% | 84.15%-76.3pp | 66.67%-58.8pp | 551.85%-544.0pp |
| Employer contribution / active EE | $1,996 | $3,238-38.4% | $2,732-27.0% | $4,662-57.2% |
| Participant deferral / active EE | $5,777 | $5,296+9.1% | $4,525+27.7% | $6,690-13.6% |
| Admin fee / account holder | $646 | $7,262-91.1% | $6,162-89.5% | $13,392-95.2% |