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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 | $116,571 | $102,382+13.9% | $147,005-20.7% | $80,874+44.1% |
| Participation rate | 78.8% | 75.8%+2.9pp | 82.2%-3.4pp | 67.6%+11.1pp |
| Annual return | 9.90% | 134.89%-125.0pp | 418.76%-408.9pp | 35.62%-25.7pp |
| Employer contribution / active EE | $2,623 | $3,715-29.4% | $4,934-46.9% | $2,756-4.8% |
| Participant deferral / active EE | $6,816 | $6,646+2.5% | $8,070-15.5% | $4,297+58.6% |
| Admin fee / account holder | $2,188 | $7,942-72.4% | $13,006-83.2% | $6,935-68.4% |