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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 | $202,078 | $183,516+10.1% | $155,534+29.9% | $145,884+38.5% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 5.08% | 61.43%-56.3pp | 64.92%-59.8pp | 551.85%-546.8pp |
| Employer contribution / active EE | $53,042 | $5,315+898.0% | $4,675+1034.6% | $4,662+1037.7% |
| Participant deferral / active EE | $20,552 | $6,467+217.8% | $5,630+265.0% | $6,690+207.2% |
| Admin fee / account holder | $934 | $19,293-95.2% | $15,900-94.1% | $13,392-93.0% |