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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 | $54,587 | $99,011-44.9% | $86,582-37.0% | $147,586-63.0% |
| Participation rate | 100.0% | 76.3%+23.7pp | 73.5%+26.5pp | 82.8%+17.2pp |
| Annual return | 7.04% | 1312.75%-1305.7pp | 965.08%-958.0pp | 578.59%-571.6pp |
| Employer contribution / active EE | $3,520 | $3,132+12.4% | $2,839+24.0% | $4,876-27.8% |
| Participant deferral / active EE | $1,984 | $3,972-50.1% | $3,609-45.0% | $5,439-63.5% |
| Admin fee / account holder | $8,699 | $5,709+52.4% | $4,904+77.4% | $10,886-20.1% |