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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 | $45,912 | $138,075-66.7% | $123,552-62.8% | $135,379-66.1% |
| Participation rate | 100.0% | 84.7%+15.3pp | 82.3%+17.7pp | 82.6%+17.4pp |
| Annual return | -10.98% | 153.70%-164.7pp | 119.20%-130.2pp | 519.79%-530.8pp |
| Employer contribution / active EE | $8,488 | $5,152+64.8% | $4,628+83.4% | $4,779+77.6% |
| Participant deferral / active EE | $5,412 | $6,800-20.4% | $6,426-15.8% | $5,609-3.5% |
| Admin fee / account holder | $591 | $10,917-94.6% | $9,285-93.6% | $10,828-94.5% |