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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 | $133,874 | $106,008+26.3% | $92,240+45.1% | $147,586-9.3% |
| Participation rate | 100.0% | 80.4%+19.6pp | 76.5%+23.5pp | 82.8%+17.2pp |
| Annual return | 8.92% | 50.05%-41.1pp | 176.29%-167.4pp | 578.59%-569.7pp |
| Employer contribution / active EE | $12,475 | $4,333+187.9% | $3,680+239.0% | $4,876+155.8% |
| Participant deferral / active EE | $8,733 | $4,478+95.0% | $3,897+124.1% | $5,439+60.6% |
| Admin fee / account holder | $894 | $6,333-85.9% | $5,194-82.8% | $10,886-91.8% |