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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 | $156,270 | $99,079+57.7% | $78,002+100.3% | $273,972-43.0% |
| Participation rate | 92.9% | 78.6%+14.3pp | 75.5%+17.3pp | 83.0%+9.8pp |
| Annual return | 0.16% | 217.93%-217.8pp | 425.99%-425.8pp | 41.46%-41.3pp |
| Employer contribution / active EE | $5,258 | $3,308+59.0% | $2,470+112.9% | $4,869+8.0% |
| Participant deferral / active EE | $6,635 | $4,306+54.1% | $3,497+89.7% | $5,287+25.5% |
| Admin fee / account holder | $2,884 | $8,954-67.8% | $5,481-47.4% | $10,133-71.5% |