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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 | $61,191 | $111,878-45.3% | $93,727-34.7% | $145,897-58.1% |
| Participation rate | 100.0% | 74.2%+25.8pp | 68.7%+31.3pp | 80.3%+19.7pp |
| Annual return | 7.47% | 204.28%-196.8pp | 133.83%-126.4pp | 552.29%-544.8pp |
| Employer contribution / active EE | $4,929 | $3,092+59.4% | $2,421+103.6% | $4,663+5.7% |
| Participant deferral / active EE | $4,115 | $4,920-16.4% | $4,417-6.8% | $6,689-38.5% |
| Admin fee / account holder | $846 | $10,256-91.8% | $8,292-89.8% | $13,390-93.7% |