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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 | $81,958 | $209,425-60.9% | $178,499-54.1% | $158,966-48.4% |
| Participation rate | 90.0% | 86.4%+3.6pp | 81.9%+8.1pp | 82.0%+8.0pp |
| Annual return | 4.95% | 188.80%-183.8pp | 151.10%-146.2pp | 302.95%-298.0pp |
| Employer contribution / active EE | $5,599 | $5,707-1.9% | $5,011+11.7% | $4,762+17.6% |
| Participant deferral / active EE | $5,853 | $5,955-1.7% | $5,202+12.5% | $5,983-2.2% |
| Admin fee / account holder | $1,203 | $17,078-93.0% | $13,986-91.4% | $11,250-89.3% |