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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 | $143,950 | $65,034+121.3% | $90,970+58.2% | $79,856+80.3% |
| Participation rate | 96.7% | 61.6%+35.1pp | 69.0%+27.7pp | 69.6%+27.0pp |
| Annual return | -3.15% | 30.45%-33.6pp | 134.60%-137.7pp | 31.71%-34.9pp |
| Employer contribution / active EE | $6,133 | $1,247+391.6% | $2,122+189.0% | $2,471+148.2% |
| Participant deferral / active EE | $5,330 | $2,512+112.2% | $3,373+58.0% | $3,741+42.5% |
| Admin fee / account holder | $1,697 | $4,536-62.6% | $5,961-71.5% | $5,306-68.0% |