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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 | $159,158 | $160,028-0.5% | $147,080+8.2% | $145,884+9.1% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | 9.52% | 98.60%-89.1pp | 420.17%-410.7pp | 551.85%-542.3pp |
| Employer contribution / active EE | $10,357 | $5,286+95.9% | $4,933+109.9% | $4,662+122.1% |
| Participant deferral / active EE | $10,766 | $8,422+27.8% | $8,066+33.5% | $6,690+60.9% |
| Admin fee / account holder | $1,183 | $15,030-92.1% | $12,989-90.9% | $13,392-91.2% |