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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 | $25,835 | $75,935-66.0% | $60,547-57.3% | $125,388-79.4% |
| Participation rate | 100.0% | 76.5%+23.5pp | 68.0%+32.0pp | 83.2%+16.8pp |
| Annual return | -4.51% | -5.38%+0.9pp | 335.64%-340.1pp | 282.24%-286.7pp |
| Employer contribution / active EE | $5,865 | $3,438+70.6% | $2,419+142.4% | $4,866+20.5% |
| Participant deferral / active EE | $4,731 | $4,506+5.0% | $3,328+42.2% | $5,352-11.6% |
| Admin fee / account holder | $3,744 | $6,768-44.7% | $4,536-17.5% | $9,541-60.8% |