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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 | $230,138 | $167,362+37.5% | $143,799+60.0% | $134,532+71.1% |
| Participation rate | 71.4% | 84.8%-13.4pp | 80.3%-8.9pp | 81.2%-9.8pp |
| Annual return | -21.89% | 0.47%-22.4pp | -0.04%-21.8pp | 418.27%-440.2pp |
| Employer contribution / active EE | $4,930 | $5,620-12.3% | $4,952-0.4% | $4,741+4.0% |
| Participant deferral / active EE | $4,772 | $6,447-26.0% | $5,638-15.4% | $6,401-25.4% |
| Admin fee / account holder | $2,043 | $18,094-88.7% | $14,677-86.1% | $11,429-82.1% |