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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 | $151,986 | $217,432-30.1% | $185,851-18.2% | $167,553-9.3% |
| Participation rate | 93.8% | 86.1%+7.7pp | 81.7%+12.0pp | 82.1%+11.6pp |
| Annual return | 6.96% | 148.43%-141.5pp | 122.11%-115.1pp | 478.89%-471.9pp |
| Employer contribution / active EE | $9,254 | $5,874+57.5% | $5,168+79.0% | $4,840+91.2% |
| Participant deferral / active EE | $5,936 | $6,357-6.6% | $5,569+6.6% | $6,343-6.4% |
| Admin fee / account holder | $354 | $19,820-98.2% | $16,245-97.8% | $12,316-97.1% |