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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 | $72,574 | $160,028-54.6% | $147,080-50.7% | $145,884-50.3% |
| Participation rate | 81.3% | 84.0%-2.8pp | 82.2%-0.9pp | 80.3%+0.9pp |
| Annual return | 9.30% | 98.60%-89.3pp | 420.17%-410.9pp | 551.85%-542.6pp |
| Employer contribution / active EE | $1,748 | $5,286-66.9% | $4,933-64.6% | $4,662-62.5% |
| Participant deferral / active EE | $4,496 | $8,422-46.6% | $8,066-44.3% | $6,690-32.8% |
| Admin fee / account holder | $760 | $15,030-94.9% | $12,989-94.1% | $13,392-94.3% |