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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 | $232,498 | $202,463+14.8% | $169,397+37.3% | $139,487+66.7% |
| Participation rate | 100.0% | 81.1%+18.9pp | 77.2%+22.8pp | 80.3%+19.7pp |
| Annual return | 5.37% | 532.64%-527.3pp | 406.23%-400.9pp | 373.84%-368.5pp |
| Employer contribution / active EE | $10,562 | $4,694+125.0% | $4,013+163.2% | $4,755+122.1% |
| Participant deferral / active EE | $18,158 | $6,941+161.6% | $6,223+191.8% | $6,713+170.5% |
| Admin fee / account holder | $391 | $10,726-96.4% | $9,017-95.7% | $11,407-96.6% |