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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 | $47,867 | $138,076-65.3% | $123,553-61.3% | $135,380-64.6% |
| Participation rate | 100.0% | 84.7%+15.3pp | 82.3%+17.7pp | 82.6%+17.4pp |
| Annual return | -12.66% | 153.70%-166.4pp | 119.21%-131.9pp | 519.81%-532.5pp |
| Employer contribution / active EE | $9,527 | $5,152+84.9% | $4,628+105.9% | $4,779+99.4% |
| Participant deferral / active EE | $7,731 | $6,800+13.7% | $6,426+20.3% | $5,609+37.8% |
| Admin fee / account holder | $416 | $10,917-96.2% | $9,284-95.5% | $10,828-96.2% |