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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 | $238,541 | $108,942+119.0% | $100,415+137.6% | $145,897+63.5% |
| Participation rate | 100.0% | 83.0%+17.0pp | 81.5%+18.5pp | 80.3%+19.7pp |
| Annual return | 6.17% | 58.27%-52.1pp | 49.47%-43.3pp | 552.29%-546.1pp |
| Employer contribution / active EE | $15,513 | $4,422+250.8% | $3,943+293.4% | $4,663+232.7% |
| Participant deferral / active EE | $38,928 | $8,461+360.1% | $8,091+381.1% | $6,689+481.9% |
| Admin fee / account holder | $353 | $9,702-96.4% | $7,906-95.5% | $13,390-97.4% |