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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 | $222,651 | $198,457+12.2% | $170,435+30.6% | $147,586+50.9% |
| Participation rate | 100.0% | 88.0%+12.0pp | 83.6%+16.4pp | 82.8%+17.2pp |
| Annual return | 6.77% | 257.30%-250.5pp | 205.94%-199.2pp | 578.59%-571.8pp |
| Employer contribution / active EE | $3,947 | $6,183-36.2% | $5,432-27.3% | $4,876-19.1% |
| Participant deferral / active EE | $6,880 | $5,629+22.2% | $4,939+39.3% | $5,439+26.5% |
| Admin fee / account holder | $40,921 | $16,852+142.8% | $13,881+194.8% | $10,886+275.9% |