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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 | $85,000 | $138,075-38.4% | $123,552-31.2% | $135,379-37.2% |
| Participation rate | 100.0% | 84.7%+15.3pp | 82.3%+17.7pp | 82.6%+17.4pp |
| Annual return | -9.92% | 153.70%-163.6pp | 119.20%-129.1pp | 519.79%-529.7pp |
| Employer contribution / active EE | $14,492 | $5,152+181.3% | $4,628+213.1% | $4,779+203.3% |
| Participant deferral / active EE | $11,012 | $6,800+62.0% | $6,426+71.4% | $5,609+96.3% |
| Admin fee / account holder | $525 | $10,917-95.2% | $9,285-94.3% | $10,828-95.2% |