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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 | $80,498 | $165,399-51.3% | $149,745-46.2% | $158,982-49.4% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 5.49% | 348.34%-342.8pp | 276.72%-271.2pp | 302.99%-297.5pp |
| Employer contribution / active EE | $2,646 | $5,105-48.2% | $4,646-43.0% | $4,763-44.4% |
| Participant deferral / active EE | $7,333 | $7,183+2.1% | $6,843+7.2% | $5,983+22.6% |
| Admin fee / account holder | $486 | $10,811-95.5% | $9,312-94.8% | $11,252-95.7% |