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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 | $219,499 | $142,409+54.1% | $119,634+83.5% | $134,545+63.1% |
| Participation rate | 100.0% | 82.8%+17.2pp | 79.3%+20.7pp | 81.2%+18.8pp |
| Annual return | -21.70% | -12.46%-9.2pp | -14.98%-6.7pp | 418.37%-440.1pp |
| Employer contribution / active EE | $7,694 | $5,224+47.3% | $4,232+81.8% | $4,742+62.3% |
| Participant deferral / active EE | $13,335 | $6,468+106.2% | $5,601+138.1% | $6,401+108.3% |
| Admin fee / account holder | $51,486 | $13,594+278.7% | $10,329+398.5% | $11,431+350.4% |