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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 | $92,621 | $88,815+4.3% | $81,882+13.1% | $145,897-36.5% |
| Participation rate | 93.8% | 75.1%+18.7pp | 72.4%+21.4pp | 80.3%+13.4pp |
| Annual return | 8.35% | 1033.75%-1025.4pp | 779.47%-771.1pp | 552.29%-543.9pp |
| Employer contribution / active EE | $7,096 | $3,086+129.9% | $2,916+143.3% | $4,663+52.2% |
| Participant deferral / active EE | $3,895 | $4,647-16.2% | $4,323-9.9% | $6,689-41.8% |
| Admin fee / account holder | $12,886 | $8,434+52.8% | $7,360+75.1% | $13,390-3.8% |