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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 | $143,020 | $209,422-31.7% | $178,503-19.9% | $158,982-10.0% |
| Participation rate | 100.0% | 86.4%+13.6pp | 81.9%+18.1pp | 82.0%+18.0pp |
| Annual return | 3.16% | 188.81%-185.6pp | 151.12%-148.0pp | 302.99%-299.8pp |
| Employer contribution / active EE | $2,829 | $5,707-50.4% | $5,011-43.5% | $4,763-40.6% |
| Participant deferral / active EE | $5,098 | $5,955-14.4% | $5,202-2.0% | $5,983-14.8% |
| Admin fee / account holder | $6,890 | $17,079-59.7% | $13,987-50.7% | $11,252-38.8% |