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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 | $212,317 | $111,814+89.9% | $103,378+105.4% | $145,978+45.4% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 8.50% | 24.80%-16.3pp | 24.91%-16.4pp | 550.52%-542.0pp |
| Employer contribution / active EE | $11,796 | $4,215+179.8% | $3,870+204.8% | $4,662+153.0% |
| Participant deferral / active EE | $12,180 | $5,618+116.8% | $5,058+140.8% | $6,690+82.1% |
| Admin fee / account holder | $8,233 | $9,764-15.7% | $8,401-2.0% | $13,400-38.6% |