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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 | $25,716 | $176,105-85.4% | $159,474-83.9% | $167,536-84.7% |
| Participation rate | 100.0% | 85.0%+15.0pp | 82.8%+17.2pp | 82.1%+17.9pp |
| Annual return | 8.89% | 331.91%-323.0pp | 263.68%-254.8pp | 478.82%-469.9pp |
| Employer contribution / active EE | $14,732 | $5,299+178.0% | $4,831+205.0% | $4,839+204.4% |
| Participant deferral / active EE | $8,275 | $7,751+6.8% | $7,353+12.5% | $6,342+30.5% |
| Admin fee / account holder | $1,105 | $12,559-91.2% | $10,802-89.8% | $12,315-91.0% |