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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 | $117,200 | $209,428-44.0% | $178,498-34.3% | $158,950-26.3% |
| Participation rate | 87.5% | 86.4%+1.1pp | 81.9%+5.6pp | 82.0%+5.5pp |
| Annual return | 3.45% | 188.78%-185.3pp | 151.09%-147.6pp | 302.91%-299.5pp |
| Employer contribution / active EE | $3,139 | $5,707-45.0% | $5,011-37.4% | $4,762-34.1% |
| Participant deferral / active EE | $7,574 | $5,955+27.2% | $5,202+45.6% | $5,983+26.6% |
| Admin fee / account holder | $3,127 | $17,077-81.7% | $13,985-77.6% | $11,248-72.2% |