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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 | $242,506 | $91,537+164.9% | $130,045+86.5% | $75,173+222.6% |
| Participation rate | 96.3% | 71.5%+24.8pp | 78.5%+17.8pp | 67.2%+29.1pp |
| Annual return | 8.53% | -631.55%+640.1pp | -137.30%+145.8pp | 160.72%-152.2pp |
| Employer contribution / active EE | $7,407 | $2,845+160.4% | $4,321+71.4% | $2,671+177.3% |
| Participant deferral / active EE | $9,236 | $4,343+112.7% | $5,820+58.7% | $4,126+123.8% |
| Admin fee / account holder | $6,281 | $6,780-7.4% | $10,600-40.8% | $5,651+11.1% |