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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 | $77,230 | $184,000-58.0% | $162,185-52.4% | $152,909-49.5% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.6%+12.4pp | 82.5%+17.5pp |
| Annual return | 11.82% | 150.80%-139.0pp | 115.61%-103.8pp | 345.46%-333.6pp |
| Employer contribution / active EE | $14,492 | $6,370+127.5% | $5,613+158.2% | $4,764+204.2% |
| Participant deferral / active EE | $10,721 | $8,033+33.5% | $7,297+46.9% | $5,851+83.2% |
| Admin fee / account holder | $1,406 | $13,124-89.3% | $10,844-87.0% | $11,601-87.9% |