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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 | $108,389 | $175,257-38.2% | $149,717-27.6% | $139,456-22.3% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 7.20% | 166.70%-159.5pp | 134.41%-127.2pp | 373.45%-366.2pp |
| Employer contribution / active EE | $8,062 | $5,477+47.2% | $4,820+67.3% | $4,753+69.6% |
| Participant deferral / active EE | $10,384 | $6,521+59.2% | $5,682+82.8% | $6,711+54.7% |
| Admin fee / account holder | $3,928 | $16,156-75.7% | $13,213-70.3% | $11,407-65.6% |