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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 | $52,697 | $90,530-41.8% | $76,030-30.7% | $145,897-63.9% |
| Participation rate | 91.7% | 74.4%+17.2pp | 69.1%+22.6pp | 80.3%+11.4pp |
| Annual return | 7.90% | 625.08%-617.2pp | 361.54%-353.6pp | 552.29%-544.4pp |
| Employer contribution / active EE | $2,060 | $3,319-38.0% | $2,688-23.4% | $4,663-55.8% |
| Participant deferral / active EE | $6,383 | $5,164+23.6% | $4,257+49.9% | $6,689-4.6% |
| Admin fee / account holder | $2,133 | $8,383-74.6% | $6,421-66.8% | $13,390-84.1% |