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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 | $69,715 | $165,381-57.8% | $149,730-53.4% | $158,966-56.1% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 4.01% | 348.29%-344.3pp | 276.70%-272.7pp | 302.95%-298.9pp |
| Employer contribution / active EE | $2,983 | $5,104-41.6% | $4,645-35.8% | $4,762-37.4% |
| Participant deferral / active EE | $26,390 | $7,182+267.4% | $6,843+285.7% | $5,983+341.1% |
| Admin fee / account holder | $36,080 | $10,809+233.8% | $9,310+287.5% | $11,250+220.7% |