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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 | $53,242 | $56,116-5.1% | $135,768-60.8% | $86,983-38.8% |
| Participation rate | 87.1% | 60.1%+27.0pp | 71.1%+16.0pp | 69.5%+17.6pp |
| Annual return | 10.81% | 125.33%-114.5pp | 526.10%-515.3pp | 25.83%-15.0pp |
| Employer contribution / active EE | $1,808 | $1,528+18.4% | $3,394-46.7% | $2,584-30.0% |
| Participant deferral / active EE | $2,274 | $2,690-15.4% | $3,977-42.8% | $4,194-45.8% |
| Admin fee / account holder | $10,430 | $4,314+141.8% | $7,048+48.0% | $7,856+32.8% |