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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 | $10,003 | $70,366-85.8% | $66,674-85.0% | $138,895-92.8% |
| Participation rate | 100.0% | 76.2%+23.8pp | 73.7%+26.3pp | 79.9%+20.1pp |
| Annual return | 12.58% | 386.41%-373.8pp | 321.24%-308.7pp | 145.39%-132.8pp |
| Employer contribution / active EE | $1,678 | $2,765-39.3% | $2,620-36.0% | $4,194-60.0% |
| Participant deferral / active EE | $1,612 | $4,374-63.2% | $4,084-60.5% | $6,396-74.8% |
| Admin fee / account holder | $2,622 | $5,262-50.2% | $5,098-48.6% | $12,562-79.1% |