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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 | $109,590 | $185,905-41.1% | $170,057-35.6% | $139,487-21.4% |
| Participation rate | 100.0% | 87.8%+12.2pp | 87.0%+13.0pp | 80.3%+19.7pp |
| Annual return | 3.39% | 60.56%-57.2pp | 53.42%-50.0pp | 373.84%-370.5pp |
| Employer contribution / active EE | $7,860 | $7,597+3.5% | $6,790+15.7% | $4,755+65.3% |
| Participant deferral / active EE | $8,134 | $11,627-30.0% | $10,411-21.9% | $6,713+21.2% |
| Admin fee / account holder | $2,757 | $15,397-82.1% | $12,826-78.5% | $11,407-75.8% |