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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 | $102,357 | $108,897-6.0% | $100,378+2.0% | $145,877-29.8% |
| Participation rate | 100.0% | 83.0%+17.0pp | 81.5%+18.5pp | 80.3%+19.7pp |
| Annual return | 9.36% | 58.17%-48.8pp | 49.41%-40.1pp | 551.28%-541.9pp |
| Employer contribution / active EE | $7,316 | $4,420+65.5% | $3,942+85.6% | $4,663+56.9% |
| Participant deferral / active EE | $7,783 | $8,455-7.9% | $8,087-3.8% | $6,691+16.3% |
| Admin fee / account holder | $510 | $9,690-94.7% | $7,899-93.5% | $13,402-96.2% |