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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 | $60,510 | $65,364-7.4% | $92,909-34.9% | $72,975-17.1% |
| Participation rate | 100.0% | 68.3%+31.7pp | 76.0%+24.0pp | 69.5%+30.5pp |
| Annual return | 15.60% | 42.11%-26.5pp | 109.44%-93.8pp | 81.01%-65.4pp |
| Employer contribution / active EE | $10,542 | $2,594+306.3% | $3,653+188.5% | $2,440+332.0% |
| Participant deferral / active EE | $3,475 | $3,128+11.1% | $4,238-18.0% | $3,608-3.7% |
| Admin fee / account holder | $1,127 | $4,251-73.5% | $5,795-80.6% | $5,124-78.0% |