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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 | $133,157 | $160,070-16.8% | $147,117-9.5% | $145,897-8.7% |
| Participation rate | 94.1% | 84.0%+10.1pp | 82.2%+11.9pp | 80.3%+13.8pp |
| Annual return | 9.65% | 98.69%-89.0pp | 420.54%-410.9pp | 552.29%-542.6pp |
| Employer contribution / active EE | $2,108 | $5,285-60.1% | $4,932-57.3% | $4,663-54.8% |
| Participant deferral / active EE | $6,021 | $8,419-28.5% | $8,065-25.3% | $6,689-10.0% |
| Admin fee / account holder | $422 | $15,035-97.2% | $12,993-96.8% | $13,390-96.9% |