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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 | $88,574 | $71,353+24.1% | $92,805-4.6% | $86,983+1.8% |
| Participation rate | 100.0% | 80.9%+19.1pp | 83.5%+16.5pp | 69.5%+30.5pp |
| Annual return | 14.12% | 44.68%-30.6pp | 31.59%-17.5pp | 25.83%-11.7pp |
| Employer contribution / active EE | $5,466 | $2,468+121.5% | $3,424+59.6% | $2,584+111.5% |
| Participant deferral / active EE | $5,242 | $6,966-24.7% | $8,448-37.9% | $4,194+25.0% |
| Admin fee / account holder | $24,998 | $6,099+309.8% | $10,911+129.1% | $7,856+218.2% |