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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 | $160,040-38.8% | $147,096-33.4% | $145,877-32.8% |
| Participation rate | 87.5% | 84.0%+3.5pp | 82.2%+5.3pp | 80.3%+7.2pp |
| Annual return | 6.44% | 98.49%-92.1pp | 419.75%-413.3pp | 551.28%-544.8pp |
| Employer contribution / active EE | $4,749 | $5,289-10.2% | $4,936-3.8% | $4,663+1.8% |
| Participant deferral / active EE | $5,224 | $8,429-38.0% | $8,071-35.3% | $6,691-21.9% |
| Admin fee / account holder | $7,763 | $15,050-48.4% | $13,005-40.3% | $13,402-42.1% |