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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 | $104,205 | $49,891+108.9% | $80,607+29.3% | $75,181+38.6% |
| Participation rate | 100.0% | 55.3%+44.7pp | 67.0%+33.0pp | 67.2%+32.8pp |
| Annual return | 12.05% | 34.67%-22.6pp | 936.11%-924.1pp | 160.69%-148.6pp |
| Employer contribution / active EE | $4,809 | $1,698+183.1% | $2,724+76.5% | $2,671+80.1% |
| Participant deferral / active EE | $2,389 | $2,991-20.1% | $4,448-46.3% | $4,126-42.1% |
| Admin fee / account holder | $14,740 | $3,578+312.0% | $5,379+174.0% | $5,650+160.9% |