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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 | $78,733 | $112,131-29.8% | $95,964-18.0% | $158,982-50.5% |
| Participation rate | 100.0% | 79.0%+21.0pp | 77.1%+22.9pp | 82.0%+18.0pp |
| Annual return | 4.71% | 171.19%-166.5pp | 91.64%-86.9pp | 302.99%-298.3pp |
| Employer contribution / active EE | $5,943 | $3,199+85.8% | $2,541+133.9% | $4,763+24.8% |
| Participant deferral / active EE | $3,054 | $4,784-36.2% | $4,167-26.7% | $5,983-49.0% |
| Admin fee / account holder | $37,112 | $10,136+266.1% | $6,797+446.0% | $11,252+229.8% |