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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 | $88,554 | $58,726+50.8% | $142,898-38.0% | $85,851+3.1% |
| Participation rate | 78.6% | 58.5%+20.1pp | 72.0%+6.6pp | 69.3%+9.3pp |
| Annual return | 11.39% | 27.73%-16.3pp | 5639.64%-5628.2pp | 318.63%-307.2pp |
| Employer contribution / active EE | $4,510 | $1,424+216.8% | $4,146+8.8% | $2,565+75.8% |
| Participant deferral / active EE | $2,651 | $2,609+1.6% | $3,838-30.9% | $3,952-32.9% |
| Admin fee / account holder | $3,327 | $4,234-21.4% | $6,560-49.3% | $6,261-46.9% |