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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 | $39,959 | $102,382-61.0% | $147,005-72.8% | $80,874-50.6% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.2%+17.8pp | 67.6%+32.4pp |
| Annual return | 8.82% | 134.89%-126.1pp | 418.76%-409.9pp | 35.62%-26.8pp |
| Employer contribution / active EE | $6,261 | $3,715+68.5% | $4,934+26.9% | $2,756+127.2% |
| Participant deferral / active EE | $5,375 | $6,646-19.1% | $8,070-33.4% | $4,297+25.1% |
| Admin fee / account holder | $1,140 | $7,942-85.7% | $13,006-91.2% | $6,935-83.6% |