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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 | $146,710 | $183,539-20.1% | $155,556-5.7% | $145,897+0.6% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 5.64% | 61.31%-55.7pp | 64.84%-59.2pp | 552.29%-546.7pp |
| Employer contribution / active EE | $1,620 | $5,315-69.5% | $4,675-65.4% | $4,663-65.3% |
| Participant deferral / active EE | $10,900 | $6,467+68.6% | $5,631+93.6% | $6,689+62.9% |
| Admin fee / account holder | $4,669 | $19,275-75.8% | $15,885-70.6% | $13,390-65.1% |