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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 | $158,081 | $98,776+60.0% | $149,745+5.6% | $79,856+98.0% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.5%+17.5pp | 69.6%+30.4pp |
| Annual return | 3.61% | 27.38%-23.8pp | 276.72%-273.1pp | 31.71%-28.1pp |
| Employer contribution / active EE | $7,658 | $3,217+138.0% | $4,646+64.9% | $2,471+209.9% |
| Participant deferral / active EE | $7,722 | $5,681+35.9% | $6,843+12.8% | $3,741+106.4% |
| Admin fee / account holder | $4,062 | $6,053-32.9% | $9,312-56.4% | $5,306-23.4% |