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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 | $151,353 | $85,171+77.7% | $172,753-12.4% | $72,976+107.4% |
| Participation rate | 100.0% | 70.1%+29.9pp | 82.6%+17.4pp | 69.5%+30.5pp |
| Annual return | 13.82% | 27.32%-13.5pp | 803.00%-789.2pp | 81.02%-67.2pp |
| Employer contribution / active EE | $7,489 | $3,324+125.3% | $5,144+45.6% | $2,440+206.9% |
| Participant deferral / active EE | $4,609 | $3,260+41.4% | $5,198-11.3% | $3,608+27.7% |
| Admin fee / account holder | $2,582 | $5,880-56.1% | $13,956-81.5% | $5,124-49.6% |