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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 | $87,451 | $108,911-19.7% | $100,392-12.9% | $145,884-40.1% |
| Participation rate | 100.0% | 83.0%+17.0pp | 81.5%+18.5pp | 80.3%+19.7pp |
| Annual return | 7.80% | 58.23%-50.4pp | 49.45%-41.7pp | 551.85%-544.0pp |
| Employer contribution / active EE | $4,135 | $4,420-6.4% | $3,941+4.9% | $4,662-11.3% |
| Participant deferral / active EE | $6,444 | $8,459-23.8% | $8,090-20.3% | $6,690-3.7% |
| Admin fee / account holder | $1,165 | $9,698-88.0% | $7,904-85.3% | $13,392-91.3% |