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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 | $214,986 | $160,070+34.3% | $147,117+46.1% | $145,897+47.4% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 6.72% | 98.69%-92.0pp | 420.54%-413.8pp | 552.29%-545.6pp |
| Employer contribution / active EE | $3,341 | $5,285-36.8% | $4,932-32.3% | $4,663-28.3% |
| Participant deferral / active EE | $5,950 | $8,419-29.3% | $8,065-26.2% | $6,689-11.1% |
| Admin fee / account holder | $12,234 | $15,035-18.6% | $12,993-5.8% | $13,390-8.6% |