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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 | $59,000 | $105,200-43.9% | $159,474-63.0% | $85,847-31.3% |
| Participation rate | 80.0% | 75.8%+4.2pp | 82.8%-2.8pp | 69.3%+10.7pp |
| Annual return | 10.57% | 45.08%-34.5pp | 263.68%-253.1pp | 318.61%-308.0pp |
| Employer contribution / active EE | $2,273 | $3,319-31.5% | $4,831-53.0% | $2,565-11.4% |
| Participant deferral / active EE | $3,297 | $5,946-44.6% | $7,353-55.2% | $3,952-16.6% |
| Admin fee / account holder | $2,655 | $6,934-61.7% | $10,802-75.4% | $6,261-57.6% |