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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 | $60,503 | $160,040-62.2% | $147,096-58.9% | $145,877-58.5% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.2%+17.8pp | 80.3%+19.7pp |
| Annual return | -10.65% | 98.49%-109.1pp | 419.75%-430.4pp | 551.28%-561.9pp |
| Employer contribution / active EE | $11,943 | $5,289+125.8% | $4,936+142.0% | $4,663+156.1% |
| Participant deferral / active EE | $10,189 | $8,429+20.9% | $8,071+26.2% | $6,691+52.3% |
| Admin fee / account holder | $12,761 | $15,050-15.2% | $13,005-1.9% | $13,402-4.8% |