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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 | $132,136 | $138,076-4.3% | $123,553+6.9% | $135,380-2.4% |
| Participation rate | 100.0% | 84.7%+15.3pp | 82.3%+17.7pp | 82.6%+17.4pp |
| Annual return | -9.62% | 153.70%-163.3pp | 119.21%-128.8pp | 519.81%-529.4pp |
| Employer contribution / active EE | $6,655 | $5,152+29.2% | $4,628+43.8% | $4,779+39.3% |
| Participant deferral / active EE | $7,349 | $6,800+8.1% | $6,426+14.4% | $5,609+31.0% |
| Admin fee / account holder | $1,313 | $10,917-88.0% | $9,284-85.9% | $10,828-87.9% |