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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 | $229,272 | $154,228+48.7% | $145,433+57.6% | $137,256+67.0% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 80.0%+20.0pp |
| Annual return | 11.98% | 74.59%-62.6pp | 66.58%-54.6pp | 220.34%-208.4pp |
| Employer contribution / active EE | $7,502 | $4,804+56.2% | $4,554+64.7% | $4,156+80.5% |
| Participant deferral / active EE | $7,041 | $8,216-14.3% | $7,897-10.8% | $6,407+9.9% |
| Admin fee / account holder | $4,706 | $14,344-67.2% | $13,129-64.2% | $12,270-61.6% |