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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 | $138,866 | $96,691+43.6% | $86,656+60.3% | $139,487-0.4% |
| Participation rate | 85.7% | 74.4%+11.3pp | 71.7%+14.0pp | 80.3%+5.4pp |
| Annual return | 8.03% | 106.87%-98.8pp | 593.09%-585.1pp | 373.84%-365.8pp |
| Employer contribution / active EE | $2,351 | $3,267-28.0% | $3,025-22.3% | $4,755-50.6% |
| Participant deferral / active EE | $6,836 | $4,838+41.3% | $4,439+54.0% | $6,713+1.8% |
| Admin fee / account holder | $2,912 | $6,414-54.6% | $5,619-48.2% | $11,407-74.5% |