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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 | $143,351 | $159,934-10.4% | $147,005-2.5% | $145,959-1.8% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 9.40% | 98.24%-88.8pp | 418.76%-409.4pp | 561.95%-552.5pp |
| Employer contribution / active EE | $15,042 | $5,287+184.5% | $4,934+204.8% | $4,661+222.7% |
| Participant deferral / active EE | $9,305 | $8,427+10.4% | $8,070+15.3% | $6,689+39.1% |
| Admin fee / account holder | $2,948 | $15,053-80.4% | $13,006-77.3% | $13,398-78.0% |