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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 | $72,873 | $63,346+15.0% | $92,240-21.0% | $70,126+3.9% |
| Participation rate | 88.5% | 68.7%+19.9pp | 76.5%+12.0pp | 69.5%+19.0pp |
| Annual return | 10.92% | 530.19%-519.3pp | 176.29%-165.4pp | 73.15%-62.2pp |
| Employer contribution / active EE | $7,553 | $2,471+205.6% | $3,680+105.3% | $2,343+222.4% |
| Participant deferral / active EE | $4,283 | $2,854+50.1% | $3,897+9.9% | $3,332+28.6% |
| Admin fee / account holder | $1,295 | $3,841-66.3% | $5,194-75.1% | $4,645-72.1% |