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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 | $84,191 | $217,432-61.3% | $185,849-54.7% | $167,536-49.7% |
| Participation rate | 100.0% | 86.1%+13.9pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 8.39% | 148.42%-140.0pp | 122.10%-113.7pp | 478.82%-470.4pp |
| Employer contribution / active EE | $5,895 | $5,875+0.3% | $5,169+14.0% | $4,839+21.8% |
| Participant deferral / active EE | $5,064 | $6,357-20.4% | $5,569-9.1% | $6,342-20.2% |
| Admin fee / account holder | $5,840 | $19,818-70.5% | $16,244-64.0% | $12,315-52.6% |