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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 | $14,929 | $84,628-82.4% | $61,501-75.7% | $134,545-88.9% |
| Participation rate | 81.8% | 62.2%+19.6pp | 52.6%+29.2pp | 81.2%+0.6pp |
| Annual return | -21.73% | 585.61%-607.3pp | 339.04%-360.8pp | 418.37%-440.1pp |
| Employer contribution / active EE | $1,325 | $1,545-14.3% | $1,160+14.2% | $4,742-72.1% |
| Participant deferral / active EE | $2,719 | $2,819-3.5% | $2,125+28.0% | $6,401-57.5% |
| Admin fee / account holder | $596 | $2,587-77.0% | $2,132-72.0% | $11,431-94.8% |