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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 | $71,142 | $160,040-55.5% | $147,096-51.6% | $145,877-51.2% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 8.47% | 98.49%-90.0pp | 419.75%-411.3pp | 551.28%-542.8pp |
| Employer contribution / active EE | $3,132 | $5,289-40.8% | $4,936-36.5% | $4,663-32.8% |
| Participant deferral / active EE | $17,873 | $8,429+112.0% | $8,071+121.4% | $6,691+167.1% |
| Admin fee / account holder | $1,224 | $15,050-91.9% | $13,005-90.6% | $13,402-90.9% |