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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 | $159,988 | $86,294+85.4% | $111,303+43.7% | $85,856+86.3% |
| Participation rate | 75.0% | 73.3%+1.7pp | 77.3%-2.3pp | 69.3%+5.7pp |
| Annual return | 9.65% | 19.99%-10.3pp | 54.66%-45.0pp | 318.58%-308.9pp |
| Employer contribution / active EE | $2,305 | $2,043+12.8% | $2,731-15.6% | $2,565-10.1% |
| Participant deferral / active EE | $5,327 | $3,641+46.3% | $4,487+18.7% | $3,952+34.8% |
| Admin fee / account holder | $1,203 | $8,189-85.3% | $7,966-84.9% | $6,261-80.8% |