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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 | $152,954 | $124,314+23.0% | $109,163+40.1% | $167,518-8.7% |
| Participation rate | 91.7% | 79.4%+12.2pp | 75.9%+15.8pp | 82.1%+9.6pp |
| Annual return | 8.62% | 26.04%-17.4pp | 25.75%-17.1pp | 478.71%-470.1pp |
| Employer contribution / active EE | $2,264 | $4,209-46.2% | $3,723-39.2% | $4,838-53.2% |
| Participant deferral / active EE | $4,066 | $5,256-22.6% | $4,654-12.6% | $6,342-35.9% |
| Admin fee / account holder | $5,200 | $7,973-34.8% | $6,754-23.0% | $12,312-57.8% |