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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 | $31,925 | $58,311-45.3% | $81,882-61.0% | $80,959-60.6% |
| Participation rate | 97.1% | 63.5%+33.6pp | 72.4%+24.7pp | 67.7%+29.4pp |
| Annual return | 9.87% | 41.85%-32.0pp | 779.47%-769.6pp | 35.67%-25.8pp |
| Employer contribution / active EE | $4,091 | $2,347+74.3% | $2,916+40.3% | $2,757+48.4% |
| Participant deferral / active EE | $4,473 | $3,287+36.1% | $4,323+3.5% | $4,300+4.0% |
| Admin fee / account holder | $1,394 | $4,752-70.7% | $7,360-81.1% | $6,925-79.9% |