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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 | $53,238 | $129,737-59.0% | $119,126-55.3% | $154,746-65.6% |
| Participation rate | 100.0% | 78.9%+21.1pp | 75.8%+24.2pp | 80.7%+19.3pp |
| Annual return | 9.02% | 379.08%-370.1pp | 282.11%-273.1pp | 172.34%-163.3pp |
| Employer contribution / active EE | $2,664 | $4,375-39.1% | $4,034-33.9% | $4,379-39.2% |
| Participant deferral / active EE | $2,184 | $5,842-62.6% | $5,318-58.9% | $6,730-67.6% |
| Admin fee / account holder | $3,501 | $11,961-70.7% | $10,693-67.3% | $14,365-75.6% |