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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 | $133,076 | $202,342-34.2% | $172,753-23.0% | $152,909-13.0% |
| Participation rate | 100.0% | 87.1%+12.9pp | 82.6%+17.4pp | 82.5%+17.5pp |
| Annual return | 11.84% | 1029.88%-1018.0pp | 803.00%-791.2pp | 345.46%-333.6pp |
| Employer contribution / active EE | $4,525 | $5,857-22.7% | $5,144-12.0% | $4,764-5.0% |
| Participant deferral / active EE | $5,024 | $5,948-15.5% | $5,198-3.3% | $5,851-14.1% |
| Admin fee / account holder | $11,263 | $17,112-34.2% | $13,956-19.3% | $11,601-2.9% |