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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 | $107,547 | $112,131-4.1% | $95,964+12.1% | $158,982-32.4% |
| Participation rate | 100.0% | 79.0%+21.0pp | 77.1%+22.9pp | 82.0%+18.0pp |
| Annual return | 1.18% | 171.19%-170.0pp | 91.64%-90.5pp | 302.99%-301.8pp |
| Employer contribution / active EE | $6,472 | $3,199+102.3% | $2,541+154.7% | $4,763+35.9% |
| Participant deferral / active EE | $5,323 | $4,784+11.3% | $4,167+27.8% | $5,983-11.0% |
| Admin fee / account holder | $800 | $10,136-92.1% | $6,797-88.2% | $11,252-92.9% |