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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 | $207,369 | $70,366+194.7% | $66,674+211.0% | $138,895+49.3% |
| Participation rate | 100.0% | 76.2%+23.8pp | 73.7%+26.3pp | 79.9%+20.1pp |
| Annual return | 10.15% | 386.41%-376.3pp | 321.24%-311.1pp | 145.39%-135.2pp |
| Employer contribution / active EE | $6,413 | $2,765+131.9% | $2,620+144.8% | $4,194+52.9% |
| Participant deferral / active EE | $6,967 | $4,374+59.3% | $4,084+70.6% | $6,396+8.9% |
| Admin fee / account holder | $34,954 | $5,262+564.2% | $5,098+585.6% | $12,562+178.3% |