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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 | $125,741 | $102,422+22.8% | $147,117-14.5% | $80,959+55.3% |
| Participation rate | 96.3% | 75.9%+20.4pp | 82.2%+14.1pp | 67.7%+28.6pp |
| Annual return | 11.82% | 135.16%-123.3pp | 420.54%-408.7pp | 35.67%-23.8pp |
| Employer contribution / active EE | $4,681 | $3,717+25.9% | $4,932-5.1% | $2,757+69.8% |
| Participant deferral / active EE | $11,854 | $6,652+78.2% | $8,065+47.0% | $4,300+175.6% |
| Admin fee / account holder | $28,799 | $7,953+262.1% | $12,993+121.7% | $6,925+315.9% |