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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 | $97,999 | $159,934-38.7% | $147,005-33.3% | $145,959-32.9% |
| Participation rate | 87.5% | 84.0%+3.5pp | 82.2%+5.3pp | 80.3%+7.2pp |
| Annual return | 6.44% | 98.24%-91.8pp | 418.76%-412.3pp | 561.95%-555.5pp |
| Employer contribution / active EE | $4,749 | $5,287-10.2% | $4,934-3.8% | $4,661+1.9% |
| Participant deferral / active EE | $5,224 | $8,427-38.0% | $8,070-35.3% | $6,689-21.9% |
| Admin fee / account holder | $7,763 | $15,053-48.4% | $13,006-40.3% | $13,398-42.1% |