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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 | $208,620 | $180,459+15.6% | $154,108+35.4% | $135,380+54.1% |
| Participation rate | 90.0% | 87.4%+2.6pp | 83.0%+7.0pp | 82.6%+7.4pp |
| Annual return | -9.74% | 888.21%-897.9pp | 735.21%-744.9pp | 519.81%-529.5pp |
| Employer contribution / active EE | $6,083 | $6,035+0.8% | $5,298+14.8% | $4,779+27.3% |
| Participant deferral / active EE | $7,947 | $5,806+36.9% | $5,081+56.4% | $5,609+41.7% |
| Admin fee / account holder | $1,107 | $16,145-93.1% | $13,411-91.7% | $10,828-89.8% |