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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 | $88,819 | $148,623-40.2% | $135,974-34.7% | $139,466-36.3% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 8.08% | 79.30%-71.2pp | 68.30%-60.2pp | 373.66%-365.6pp |
| Employer contribution / active EE | $15,996 | $5,246+204.9% | $4,859+229.2% | $4,754+236.5% |
| Participant deferral / active EE | $10,610 | $8,103+30.9% | $7,760+36.7% | $6,712+58.1% |
| Admin fee / account holder | $585 | $12,406-95.3% | $10,767-94.6% | $11,409-94.9% |