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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 | $85,335 | $154,228-44.7% | $145,433-41.3% | $137,256-37.8% |
| Participation rate | 75.0% | 83.8%-8.8pp | 82.1%-7.1pp | 80.0%-5.0pp |
| Annual return | 11.07% | 74.59%-63.5pp | 66.58%-55.5pp | 220.34%-209.3pp |
| Employer contribution / active EE | $4,356 | $4,804-9.3% | $4,554-4.4% | $4,156+4.8% |
| Participant deferral / active EE | $11,454 | $8,216+39.4% | $7,897+45.0% | $6,407+78.8% |
| Admin fee / account holder | $1,961 | $14,344-86.3% | $13,129-85.1% | $12,270-84.0% |