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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 | $133,274 | $102,382+30.2% | $147,005-9.3% | $80,874+64.8% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.2%+17.8pp | 67.6%+32.4pp |
| Annual return | 10.95% | 134.89%-123.9pp | 418.76%-407.8pp | 35.62%-24.7pp |
| Employer contribution / active EE | $5,912 | $3,715+59.2% | $4,934+19.8% | $2,756+114.6% |
| Participant deferral / active EE | $8,324 | $6,646+25.2% | $8,070+3.2% | $4,297+93.7% |
| Admin fee / account holder | $18,255 | $7,942+129.8% | $13,006+40.4% | $6,935+163.2% |