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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 | $216,869 | $72,071+200.9% | $68,368+217.2% | $137,256+58.0% |
| Participation rate | 100.0% | 76.2%+23.8pp | 73.8%+26.2pp | 80.0%+20.0pp |
| Annual return | 3.61% | 353.14%-349.5pp | 292.57%-289.0pp | 220.34%-216.7pp |
| Employer contribution / active EE | $11,710 | $2,788+320.0% | $2,649+342.1% | $4,156+181.8% |
| Participant deferral / active EE | $3,570 | $4,410-19.0% | $4,123-13.4% | $6,407-44.3% |
| Admin fee / account holder | $693 | $5,336-87.0% | $5,150-86.5% | $12,270-94.4% |