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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 | $49,910 | $150,447-66.8% | $136,298-63.4% | $147,586-66.2% |
| Participation rate | 85.0% | 84.4%+0.6pp | 81.9%+3.1pp | 82.8%+2.2pp |
| Annual return | 6.49% | 1049.15%-1042.7pp | 5156.27%-5149.8pp | 578.59%-572.1pp |
| Employer contribution / active EE | $5,378 | $5,256+2.3% | $4,696+14.5% | $4,876+10.3% |
| Participant deferral / active EE | $2,462 | $6,631-62.9% | $6,247-60.6% | $5,439-54.7% |
| Admin fee / account holder | $2,724 | $10,906-75.0% | $9,244-70.5% | $10,886-75.0% |