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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 | $155,699 | $100,139+55.5% | $85,187+82.8% | $145,884+6.7% |
| Participation rate | 100.0% | 74.1%+25.9pp | 67.5%+32.5pp | 80.3%+19.7pp |
| Annual return | 3.73% | 84.15%-80.4pp | 66.67%-62.9pp | 551.85%-548.1pp |
| Employer contribution / active EE | $869 | $3,238-73.2% | $2,732-68.2% | $4,662-81.4% |
| Participant deferral / active EE | $2,484 | $5,296-53.1% | $4,525-45.1% | $6,690-62.9% |
| Admin fee / account holder | $3,777 | $7,262-48.0% | $6,162-38.7% | $13,392-71.8% |