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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 | $69,738 | $70,366-0.9% | $66,674+4.6% | $138,895-49.8% |
| Participation rate | 85.7% | 76.2%+9.5pp | 73.7%+12.0pp | 79.9%+5.8pp |
| Annual return | 11.18% | 386.41%-375.2pp | 321.24%-310.1pp | 145.39%-134.2pp |
| Employer contribution / active EE | $1,022 | $2,765-63.0% | $2,620-61.0% | $4,194-75.6% |
| Participant deferral / active EE | $3,623 | $4,374-17.2% | $4,084-11.3% | $6,396-43.4% |
| Admin fee / account holder | $2,253 | $5,262-57.2% | $5,098-55.8% | $12,562-82.1% |