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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 | $71,442 | $57,305+24.7% | $86,640-17.5% | $75,173-5.0% |
| Participation rate | 96.2% | 63.2%+32.9pp | 71.7%+24.4pp | 67.2%+29.0pp |
| Annual return | 6.56% | 2674.24%-2667.7pp | 592.52%-586.0pp | 160.72%-154.2pp |
| Employer contribution / active EE | $2,701 | $2,316+16.6% | $3,024-10.7% | $2,671+1.1% |
| Participant deferral / active EE | $3,535 | $3,320+6.5% | $4,438-20.4% | $4,126-14.3% |
| Admin fee / account holder | $984 | $4,116-76.1% | $5,616-82.5% | $5,651-82.6% |