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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 | $109,243 | $88,672+23.2% | $105,223+3.8% | $82,448+32.5% |
| Participation rate | 96.6% | 67.9%+28.6pp | 75.0%+21.5pp | 68.1%+28.5pp |
| Annual return | 11.02% | 30.86%-19.8pp | 180.65%-169.6pp | 41.64%-30.6pp |
| Employer contribution / active EE | $3,175 | $3,048+4.2% | $3,689-13.9% | $2,551+24.5% |
| Participant deferral / active EE | $3,366 | $4,036-16.6% | $5,072-33.6% | $4,139-18.7% |
| Admin fee / account holder | $5,691 | $7,146-20.4% | $8,859-35.8% | $7,234-21.3% |