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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 | $63,141 | $159,978-60.5% | $147,041-57.1% | $145,978-56.7% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 5.81% | 98.36%-92.5pp | 419.21%-413.4pp | 550.52%-544.7pp |
| Employer contribution / active EE | $3,404 | $5,288-35.6% | $4,935-31.0% | $4,662-27.0% |
| Participant deferral / active EE | $21,250 | $8,429+152.1% | $8,071+163.3% | $6,690+217.7% |
| Admin fee / account holder | $44,940 | $15,053+198.5% | $13,006+245.5% | $13,400+235.4% |