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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 | $103,062 | $111,878-7.9% | $93,727+10.0% | $145,897-29.4% |
| Participation rate | 100.0% | 74.2%+25.8pp | 68.7%+31.3pp | 80.3%+19.7pp |
| Annual return | 5.08% | 204.28%-199.2pp | 133.83%-128.8pp | 552.29%-547.2pp |
| Employer contribution / active EE | $5,769 | $3,092+86.6% | $2,421+138.3% | $4,663+23.7% |
| Participant deferral / active EE | $2,009 | $4,920-59.2% | $4,417-54.5% | $6,689-70.0% |
| Admin fee / account holder | $357 | $10,256-96.5% | $8,292-95.7% | $13,390-97.3% |