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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 | $198,897 | $160,028+24.3% | $147,080+35.2% | $145,884+36.3% |
| Participation rate | 93.8% | 84.0%+9.7pp | 82.2%+11.6pp | 80.3%+13.4pp |
| Annual return | 5.19% | 98.60%-93.4pp | 420.17%-415.0pp | 551.85%-546.7pp |
| Employer contribution / active EE | $2,617 | $5,286-50.5% | $4,933-46.9% | $4,662-43.9% |
| Participant deferral / active EE | $4,450 | $8,422-47.2% | $8,066-44.8% | $6,690-33.5% |
| Admin fee / account holder | $3,406 | $15,030-77.3% | $12,989-73.8% | $13,392-74.6% |