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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 | $81,001 | $102,382-20.9% | $147,005-44.9% | $80,874+0.2% |
| Participation rate | 84.4% | 75.8%+8.5pp | 82.2%+2.2pp | 67.6%+16.7pp |
| Annual return | 11.37% | 134.89%-123.5pp | 418.76%-407.4pp | 35.62%-24.2pp |
| Employer contribution / active EE | $5,071 | $3,715+36.5% | $4,934+2.8% | $2,756+84.0% |
| Participant deferral / active EE | $9,499 | $6,646+42.9% | $8,070+17.7% | $4,297+121.1% |
| Admin fee / account holder | $14,494 | $7,942+82.5% | $13,006+11.4% | $6,935+109.0% |