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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 | $77,927 | $211,946-63.2% | $169,452-54.0% | $135,380-42.4% |
| Participation rate | 100.0% | 82.6%+17.4pp | 77.8%+22.2pp | 82.6%+17.4pp |
| Annual return | -10.53% | 3.26%-13.8pp | 1.83%-12.4pp | 519.81%-530.3pp |
| Employer contribution / active EE | $15,143 | $5,117+195.9% | $4,157+264.3% | $4,779+216.9% |
| Participant deferral / active EE | $12,611 | $6,075+107.6% | $5,277+139.0% | $5,609+124.8% |
| Admin fee / account holder | $637 | $11,472-94.5% | $9,110-93.0% | $10,828-94.1% |