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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 | $126,589 | $102,696+23.3% | $86,235+46.8% | $139,487-9.2% |
| Participation rate | 100.0% | 74.5%+25.5pp | 69.0%+31.0pp | 80.3%+19.7pp |
| Annual return | 4.11% | 1925.91%-1921.8pp | 1170.03%-1165.9pp | 373.84%-369.7pp |
| Employer contribution / active EE | $1,822 | $3,034-40.0% | $2,381-23.5% | $4,755-61.7% |
| Participant deferral / active EE | $13,300 | $4,679+184.3% | $3,987+233.6% | $6,713+98.1% |
| Admin fee / account holder | $1,543 | $8,667-82.2% | $6,856-77.5% | $11,407-86.5% |