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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 | $74,171 | $102,393-27.6% | $147,041-49.6% | $80,911-8.3% |
| Participation rate | 74.1% | 75.9%-1.8pp | 82.2%-8.1pp | 67.6%+6.4pp |
| Annual return | 10.76% | 134.95%-124.2pp | 419.21%-408.4pp | 35.63%-24.9pp |
| Employer contribution / active EE | $4,462 | $3,715+20.1% | $4,935-9.6% | $2,756+61.9% |
| Participant deferral / active EE | $6,280 | $6,647-5.5% | $8,071-22.2% | $4,297+46.1% |
| Admin fee / account holder | $5,181 | $7,943-34.8% | $13,006-60.2% | $6,935-25.3% |