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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 | $104,028 | $70,366+47.8% | $66,674+56.0% | $138,895-25.1% |
| Participation rate | 88.9% | 76.2%+12.7pp | 73.7%+15.2pp | 79.9%+9.0pp |
| Annual return | 11.99% | 386.41%-374.4pp | 321.24%-309.2pp | 145.39%-133.4pp |
| Employer contribution / active EE | $5,333 | $2,765+92.9% | $2,620+103.5% | $4,194+27.1% |
| Participant deferral / active EE | $5,058 | $4,374+15.6% | $4,084+23.8% | $6,396-20.9% |
| Admin fee / account holder | $4,755 | $5,262-9.6% | $5,098-6.7% | $12,562-62.1% |