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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 | $177,232 | $70,366+151.9% | $66,674+165.8% | $138,895+27.6% |
| Participation rate | 92.9% | 76.2%+16.7pp | 73.7%+19.2pp | 79.9%+12.9pp |
| Annual return | 10.04% | 386.41%-376.4pp | 321.24%-311.2pp | 145.39%-135.4pp |
| Employer contribution / active EE | $8,338 | $2,765+201.6% | $2,620+218.2% | $4,194+98.8% |
| Participant deferral / active EE | $12,206 | $4,374+179.0% | $4,084+198.9% | $6,396+90.8% |
| Admin fee / account holder | $12,038 | $5,262+128.7% | $5,098+136.1% | $12,562-4.2% |