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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 | $60,613 | $135,956-55.4% | $123,894-51.1% | $273,972-77.9% |
| Participation rate | 75.0% | 84.1%-9.1pp | 81.4%-6.4pp | 83.0%-8.0pp |
| Annual return | -0.17% | 56.63%-56.8pp | 47.52%-47.7pp | 41.46%-41.6pp |
| Employer contribution / active EE | $1,600 | $5,170-69.0% | $4,617-65.3% | $4,869-67.1% |
| Participant deferral / active EE | $6,474 | $6,343+2.1% | $5,984+8.2% | $5,287+22.4% |
| Admin fee / account holder | $339 | $9,817-96.6% | $8,357-95.9% | $10,133-96.7% |