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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 | $120,865 | $152,619-20.8% | $125,195-3.5% | $152,909-21.0% |
| Participation rate | 90.9% | 83.3%+7.6pp | 79.8%+11.1pp | 82.5%+8.5pp |
| Annual return | 0.72% | 54.85%-54.1pp | 43.79%-43.1pp | 345.46%-344.7pp |
| Employer contribution / active EE | $3,368 | $4,947-31.9% | $3,866-12.9% | $4,764-29.3% |
| Participant deferral / active EE | $3,682 | $5,869-37.3% | $4,937-25.4% | $5,851-37.1% |
| Admin fee / account holder | $1,413 | $13,437-89.5% | $9,704-85.4% | $11,601-87.8% |