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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 | $166,598 | $135,645+22.8% | $110,243+51.1% | $135,380+23.1% |
| Participation rate | 87.5% | 83.5%+4.0pp | 79.8%+7.7pp | 82.6%+4.9pp |
| Annual return | -9.03% | 513.24%-522.3pp | 314.76%-323.8pp | 519.81%-528.8pp |
| Employer contribution / active EE | $5,495 | $4,907+12.0% | $3,827+43.6% | $4,779+15.0% |
| Participant deferral / active EE | $7,286 | $5,507+32.3% | $4,672+55.9% | $5,609+29.9% |
| Admin fee / account holder | $11,143 | $11,458-2.8% | $8,548+30.4% | $10,828+2.9% |