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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 | $91,864 | $203,436-54.8% | $152,466-39.7% | $167,518-45.2% |
| Participation rate | 100.0% | 82.3%+17.7pp | 78.2%+21.8pp | 82.1%+17.9pp |
| Annual return | 8.15% | 13.80%-5.6pp | 757.33%-749.2pp | 478.71%-470.6pp |
| Employer contribution / active EE | $1,942 | $5,220-62.8% | $4,327-55.1% | $4,838-59.9% |
| Participant deferral / active EE | $3,082 | $6,716-54.1% | $5,820-47.0% | $6,342-51.4% |
| Admin fee / account holder | $1,161 | $22,506-94.8% | $15,805-92.7% | $12,312-90.6% |