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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 | $40,338 | $39,798+1.4% | $67,704-40.4% | $59,633-32.4% |
| Participation rate | 86.2% | 57.4%+28.9pp | 67.5%+18.7pp | 68.7%+17.5pp |
| Annual return | -3.67% | 89.94%-93.6pp | 25.41%-29.1pp | 2041.45%-2045.1pp |
| Employer contribution / active EE | $4,700 | $1,393+237.4% | $2,559+83.6% | $2,203+113.4% |
| Participant deferral / active EE | $4,002 | $2,335+71.4% | $3,585+11.6% | $3,192+25.4% |
| Admin fee / account holder | $750 | $3,212-76.7% | $4,255-82.4% | $4,297-82.6% |