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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 | $86,046 | $112,131-23.3% | $95,964-10.3% | $158,982-45.9% |
| Participation rate | 90.0% | 79.0%+11.0pp | 77.1%+12.9pp | 82.0%+8.0pp |
| Annual return | 3.41% | 171.19%-167.8pp | 91.64%-88.2pp | 302.99%-299.6pp |
| Employer contribution / active EE | $0 | $3,199-100.0% | $2,541-100.0% | $4,763-100.0% |
| Participant deferral / active EE | $4,787 | $4,784+0.1% | $4,167+14.9% | $5,983-20.0% |
| Admin fee / account holder | $20,033 | $10,136+97.6% | $6,797+194.7% | $11,252+78.0% |