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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 | $81,854 | $97,761-16.3% | $83,850-2.4% | $135,382-39.5% |
| Participation rate | 100.0% | 80.0%+20.0pp | 76.1%+23.9pp | 82.6%+17.4pp |
| Annual return | -12.02% | 1287.44%-1299.5pp | 850.92%-862.9pp | 519.77%-531.8pp |
| Employer contribution / active EE | $13,166 | $4,222+211.9% | $3,631+262.6% | $4,779+175.5% |
| Participant deferral / active EE | $14,850 | $4,682+217.1% | $4,082+263.8% | $5,609+164.8% |
| Admin fee / account holder | $686 | $6,674-89.7% | $5,478-87.5% | $10,829-93.7% |