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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 | $209,791 | $212,386-1.2% | $199,883+5.0% | $138,895+51.0% |
| Participation rate | 100.0% | 87.4%+12.6pp | 86.8%+13.2pp | 79.9%+20.1pp |
| Annual return | 4.11% | 47.75%-43.6pp | 43.81%-39.7pp | 145.39%-141.3pp |
| Employer contribution / active EE | $6,525 | $6,625-1.5% | $6,261+4.2% | $4,194+55.6% |
| Participant deferral / active EE | $17,991 | $9,617+87.1% | $9,138+96.9% | $6,396+181.3% |
| Admin fee / account holder | $464,490 | $18,233+2447.5% | $17,268+2589.9% | $12,562+3597.5% |