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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 | $175,877 | $175,231+0.4% | $149,696+17.5% | $139,466+26.1% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 8.03% | 166.77%-158.7pp | 134.46%-126.4pp | 373.66%-365.6pp |
| Employer contribution / active EE | $9,775 | $5,478+78.4% | $4,821+102.8% | $4,754+105.6% |
| Participant deferral / active EE | $4,868 | $6,521-25.4% | $5,682-14.3% | $6,712-27.5% |
| Admin fee / account holder | $10,560 | $16,155-34.6% | $13,212-20.1% | $11,409-7.4% |