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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 | $63,597 | $72,071-11.8% | $68,368-7.0% | $137,256-53.7% |
| Participation rate | 91.7% | 76.2%+15.4pp | 73.8%+17.9pp | 80.0%+11.7pp |
| Annual return | 5.77% | 353.14%-347.4pp | 292.57%-286.8pp | 220.34%-214.6pp |
| Employer contribution / active EE | $11,922 | $2,788+327.6% | $2,649+350.1% | $4,156+186.9% |
| Participant deferral / active EE | $3,324 | $4,410-24.6% | $4,123-19.4% | $6,407-48.1% |
| Admin fee / account holder | $7,017 | $5,336+31.5% | $5,150+36.2% | $12,270-42.8% |