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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 | $225,250 | $112,729+99.8% | $98,716+128.2% | $137,256+64.1% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.3%+30.7pp | 80.0%+20.0pp |
| Annual return | 9.51% | 38.48%-29.0pp | 31.81%-22.3pp | 220.34%-210.8pp |
| Employer contribution / active EE | $108,560 | $2,725+3883.5% | $2,279+4664.4% | $4,156+2512.1% |
| Participant deferral / active EE | $31,000 | $4,640+568.1% | $4,048+665.9% | $6,407+383.9% |
| Admin fee / account holder | $1,176 | $10,129-88.4% | $8,703-86.5% | $12,270-90.4% |