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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 | $42,529 | $97,729-56.5% | $83,830-49.3% | $135,379-68.6% |
| Participation rate | 100.0% | 80.0%+20.0pp | 76.1%+23.9pp | 82.6%+17.4pp |
| Annual return | -10.25% | 1287.52%-1297.8pp | 850.97%-861.2pp | 519.79%-530.0pp |
| Employer contribution / active EE | $10,556 | $4,222+150.0% | $3,631+190.7% | $4,779+120.9% |
| Participant deferral / active EE | $4,814 | $4,683+2.8% | $4,082+17.9% | $5,609-14.2% |
| Admin fee / account holder | $667 | $6,674-90.0% | $5,479-87.8% | $10,828-93.8% |