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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 | $68,766 | $111,814-38.5% | $93,654-26.6% | $145,959-52.9% |
| Participation rate | 100.0% | 74.2%+25.8pp | 68.7%+31.3pp | 80.3%+19.7pp |
| Annual return | 4.57% | 203.30%-198.7pp | 133.34%-128.8pp | 561.95%-557.4pp |
| Employer contribution / active EE | $5,542 | $3,092+79.3% | $2,421+128.9% | $4,661+18.9% |
| Participant deferral / active EE | $5,567 | $4,914+13.3% | $4,413+26.1% | $6,689-16.8% |
| Admin fee / account holder | $1,898 | $10,246-81.5% | $8,282-77.1% | $13,398-85.8% |