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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 | $86,003 | $48,364+77.8% | $71,796+19.8% | $62,881+36.8% |
| Participation rate | 96.7% | 60.6%+36.1pp | 69.1%+27.6pp | 69.3%+27.4pp |
| Annual return | 3.95% | 13.16%-9.2pp | 78.04%-74.1pp | 20.14%-16.2pp |
| Employer contribution / active EE | $5,571 | $1,042+434.7% | $1,924+189.5% | $2,281+144.2% |
| Participant deferral / active EE | $3,438 | $2,091+64.4% | $2,794+23.0% | $3,203+7.3% |
| Admin fee / account holder | $450 | $3,771-88.1% | $4,815-90.6% | $4,296-89.5% |