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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 | $72,113 | $197,637-63.5% | $177,848-59.5% | $158,982-54.6% |
| Participation rate | 76.9% | 88.5%-11.6pp | 87.7%-10.8pp | 82.0%-5.0pp |
| Annual return | 3.36% | 58.77%-55.4pp | 48.33%-45.0pp | 302.99%-299.6pp |
| Employer contribution / active EE | $1,864 | $6,698-72.2% | $5,919-68.5% | $4,763-60.9% |
| Participant deferral / active EE | $7,568 | $8,405-10.0% | $7,714-1.9% | $5,983+26.5% |
| Admin fee / account holder | $12,401 | $15,406-19.5% | $12,431-0.2% | $11,252+10.2% |