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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 | $122,338 | $99,921+22.4% | $85,009+43.9% | $145,959-16.2% |
| Participation rate | 90.0% | 74.1%+15.9pp | 67.5%+22.5pp | 80.3%+9.7pp |
| Annual return | 6.59% | 83.89%-77.3pp | 66.47%-59.9pp | 561.95%-555.4pp |
| Employer contribution / active EE | $19,264 | $3,233+495.9% | $2,728+606.1% | $4,661+313.3% |
| Participant deferral / active EE | $19,981 | $5,293+277.5% | $4,522+341.9% | $6,689+198.7% |
| Admin fee / account holder | $3,299 | $7,252-54.5% | $6,153-46.4% | $13,398-75.4% |