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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 | $50,910 | $157,296-67.6% | $141,191-63.9% | $152,897-66.7% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 14.06% | 64.34%-50.3pp | 71.41%-57.3pp | 345.43%-331.4pp |
| Employer contribution / active EE | $9,005 | $5,262+71.1% | $4,736+90.1% | $4,764+89.0% |
| Participant deferral / active EE | $5,358 | $7,111-24.6% | $6,710-20.1% | $5,851-8.4% |
| Admin fee / account holder | $417 | $12,125-96.6% | $10,264-95.9% | $11,599-96.4% |