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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 | $2,349 | $67,823-96.5% | $52,425-95.5% | $137,256-98.3% |
| Participation rate | 100.0% | 63.9%+36.1pp | 55.6%+44.4pp | 80.0%+20.0pp |
| Annual return | -9.74% | 219.11%-228.8pp | 302.12%-311.9pp | 220.34%-230.1pp |
| Employer contribution / active EE | $436 | $1,163-62.6% | $914-52.4% | $4,156-89.5% |
| Participant deferral / active EE | $699 | $2,288-69.5% | $1,790-61.0% | $6,407-89.1% |
| Admin fee / account holder | $737 | $2,844-74.1% | $2,495-70.5% | $12,270-94.0% |