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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 | $172,662 | $185,312-6.8% | $161,489+6.9% | $154,746+11.6% |
| Participation rate | 100.0% | 82.5%+17.5pp | 78.7%+21.3pp | 80.7%+19.3pp |
| Annual return | 8.17% | 103.84%-95.7pp | 89.72%-81.5pp | 172.34%-164.2pp |
| Employer contribution / active EE | $6,753 | $4,769+41.6% | $4,268+58.2% | $4,379+54.2% |
| Participant deferral / active EE | $7,592 | $6,350+19.6% | $5,630+34.8% | $6,730+12.8% |
| Admin fee / account holder | $2,426 | $18,654-87.0% | $16,006-84.8% | $14,365-83.1% |