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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 | $141,166 | $148,582-5.0% | $135,942+3.8% | $139,456+1.2% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 8.09% | 79.26%-71.2pp | 68.28%-60.2pp | 373.45%-365.4pp |
| Employer contribution / active EE | $2,172 | $5,245-58.6% | $4,858-55.3% | $4,753-54.3% |
| Participant deferral / active EE | $3,395 | $8,101-58.1% | $7,759-56.2% | $6,711-49.4% |
| Admin fee / account holder | $1,674 | $12,402-86.5% | $10,764-84.5% | $11,407-85.3% |