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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 | $56,198 | $58,275-3.6% | $81,844-31.3% | $80,935-30.6% |
| Participation rate | 100.0% | 63.5%+36.5pp | 72.4%+27.6pp | 67.7%+32.3pp |
| Annual return | 8.31% | 41.82%-33.5pp | 778.87%-770.6pp | 35.66%-27.3pp |
| Employer contribution / active EE | $3,744 | $2,346+59.6% | $2,916+28.4% | $2,757+35.8% |
| Participant deferral / active EE | $3,516 | $3,285+7.0% | $4,323-18.7% | $4,299-18.2% |
| Admin fee / account holder | $10,517 | $4,749+121.5% | $7,355+43.0% | $6,924+51.9% |