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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 | $149,217 | $102,595+45.4% | $94,057+58.6% | $154,746-3.6% |
| Participation rate | 100.0% | 76.0%+24.0pp | 73.3%+26.7pp | 80.7%+19.3pp |
| Annual return | 5.69% | 583.42%-577.7pp | 480.62%-474.9pp | 172.34%-166.6pp |
| Employer contribution / active EE | $2,090 | $3,147-33.6% | $2,933-28.8% | $4,379-52.3% |
| Participant deferral / active EE | $4,489 | $5,118-12.3% | $4,709-4.7% | $6,730-33.3% |
| Admin fee / account holder | $21,532 | $7,736+178.3% | $7,244+197.2% | $14,365+49.9% |