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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 | $117,316 | $100,970+16.2% | $96,576+21.5% | $137,256-14.5% |
| Participation rate | 100.0% | 82.6%+17.4pp | 81.4%+18.6pp | 80.0%+20.0pp |
| Annual return | 9.86% | 38.16%-28.3pp | 38.47%-28.6pp | 220.34%-210.5pp |
| Employer contribution / active EE | $5,282 | $3,809+38.7% | $3,553+48.7% | $4,156+27.1% |
| Participant deferral / active EE | $11,751 | $8,286+41.8% | $7,956+47.7% | $6,407+83.4% |
| Admin fee / account holder | $645 | $11,312-94.3% | $11,381-94.3% | $12,270-94.7% |