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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 | $85,631 | $159,934-46.5% | $147,005-41.8% | $145,959-41.3% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 8.91% | 98.24%-89.3pp | 418.76%-409.9pp | 561.95%-553.0pp |
| Employer contribution / active EE | $9,638 | $5,287+82.3% | $4,934+95.3% | $4,661+106.8% |
| Participant deferral / active EE | $10,161 | $8,427+20.6% | $8,070+25.9% | $6,689+51.9% |
| Admin fee / account holder | $860 | $15,053-94.3% | $13,006-93.4% | $13,398-93.6% |