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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 | $159,194 | $165,381-3.7% | $149,730+6.3% | $158,966+0.1% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 6.31% | 348.29%-342.0pp | 276.70%-270.4pp | 302.95%-296.6pp |
| Employer contribution / active EE | $3,895 | $5,104-23.7% | $4,645-16.2% | $4,762-18.2% |
| Participant deferral / active EE | $6,308 | $7,182-12.2% | $6,843-7.8% | $5,983+5.4% |
| Admin fee / account holder | $668 | $10,809-93.8% | $9,310-92.8% | $11,250-94.1% |