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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 | $69,121 | $105,200-34.3% | $159,474-56.7% | $85,847-19.5% |
| Participation rate | 78.1% | 75.8%+2.3pp | 82.8%-4.7pp | 69.3%+8.8pp |
| Annual return | 11.17% | 45.08%-33.9pp | 263.68%-252.5pp | 318.61%-307.4pp |
| Employer contribution / active EE | $2,100 | $3,319-36.7% | $4,831-56.5% | $2,565-18.2% |
| Participant deferral / active EE | $4,926 | $5,946-17.2% | $7,353-33.0% | $3,952+24.6% |
| Admin fee / account holder | $1,693 | $6,934-75.6% | $10,802-84.3% | $6,261-73.0% |