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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 | $144,008 | $183,516-21.5% | $155,534-7.4% | $145,884-1.3% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 6.10% | 61.43%-55.3pp | 64.92%-58.8pp | 551.85%-545.7pp |
| Employer contribution / active EE | $12,614 | $5,315+137.3% | $4,675+169.8% | $4,662+170.5% |
| Participant deferral / active EE | $5,640 | $6,467-12.8% | $5,630+0.2% | $6,690-15.7% |
| Admin fee / account holder | $443 | $19,293-97.7% | $15,900-97.2% | $13,392-96.7% |