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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 | $165,959 | $165,361+0.4% | $149,715+10.8% | $158,950+4.4% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 5.08% | 348.24%-343.2pp | 276.66%-271.6pp | 302.91%-297.8pp |
| Employer contribution / active EE | $22,233 | $5,103+335.7% | $4,645+378.7% | $4,762+366.9% |
| Participant deferral / active EE | $18,397 | $7,182+156.2% | $6,842+168.9% | $5,983+207.5% |
| Admin fee / account holder | $5,873 | $10,808-45.7% | $9,310-36.9% | $11,248-47.8% |