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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 | $70,891 | $105,200-32.6% | $159,474-55.5% | $85,847-17.4% |
| Participation rate | 88.0% | 75.8%+12.2pp | 82.8%+5.2pp | 69.3%+18.7pp |
| Annual return | 12.51% | 45.08%-32.6pp | 263.68%-251.2pp | 318.61%-306.1pp |
| Employer contribution / active EE | $2,735 | $3,319-17.6% | $4,831-43.4% | $2,565+6.6% |
| Participant deferral / active EE | $6,933 | $5,946+16.6% | $7,353-5.7% | $3,952+75.4% |
| Admin fee / account holder | $4,797 | $6,934-30.8% | $10,802-55.6% | $6,261-23.4% |