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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 | $162,136-47.4% | $152,301-44.0% | $154,746-44.9% |
| Participation rate | 75.0% | 84.1%-9.1pp | 82.4%-7.4pp | 80.7%-5.7pp |
| Annual return | 11.07% | 91.02%-80.0pp | 80.50%-69.4pp | 172.34%-161.3pp |
| Employer contribution / active EE | $4,356 | $4,890-10.9% | $4,624-5.8% | $4,379-0.5% |
| Participant deferral / active EE | $11,454 | $8,341+37.3% | $8,004+43.1% | $6,730+70.2% |
| Admin fee / account holder | $1,961 | $15,759-87.6% | $14,398-86.4% | $14,365-86.4% |