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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 | $33,164 | $176,077-81.2% | $159,455-79.2% | $167,518-80.2% |
| Participation rate | 81.0% | 84.9%-4.0pp | 82.8%-1.9pp | 82.1%-1.2pp |
| Annual return | 7.06% | 331.83%-324.8pp | 263.63%-256.6pp | 478.71%-471.7pp |
| Employer contribution / active EE | $9,593 | $5,298+81.1% | $4,830+98.6% | $4,838+98.3% |
| Participant deferral / active EE | $8,226 | $7,751+6.1% | $7,353+11.9% | $6,342+29.7% |
| Admin fee / account holder | $429 | $12,556-96.6% | $10,800-96.0% | $12,312-96.5% |