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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 | $60,414 | $75,962-20.5% | $154,108-60.8% | $64,173-5.9% |
| Participation rate | 96.0% | 70.4%+25.6pp | 83.0%+13.0pp | 69.6%+26.4pp |
| Annual return | -9.55% | 30.32%-39.9pp | 735.21%-744.8pp | 7.63%-17.2pp |
| Employer contribution / active EE | $8,385 | $3,350+150.3% | $5,298+58.3% | $2,381+252.2% |
| Participant deferral / active EE | $6,049 | $3,175+90.5% | $5,081+19.1% | $3,470+74.3% |
| Admin fee / account holder | $1,736 | $5,589-68.9% | $13,411-87.1% | $4,887-64.5% |