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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 | $106,344 | $183,516-42.1% | $155,534-31.6% | $145,884-27.1% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 3.57% | 61.43%-57.9pp | 64.92%-61.3pp | 551.85%-548.3pp |
| Employer contribution / active EE | $3,267 | $5,315-38.5% | $4,675-30.1% | $4,662-29.9% |
| Participant deferral / active EE | $12,418 | $6,467+92.0% | $5,630+120.6% | $6,690+85.6% |
| Admin fee / account holder | $4,297 | $19,293-77.7% | $15,900-73.0% | $13,392-67.9% |