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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 | $26,854 | $138,078-80.6% | $125,363-78.6% | $134,509-80.0% |
| Participation rate | 71.4% | 84.5%-13.1pp | 82.4%-10.9pp | 81.2%-9.8pp |
| Annual return | -21.98% | 750.49%-772.5pp | 572.15%-594.1pp | 418.13%-440.1pp |
| Employer contribution / active EE | $3,649 | $5,245-30.4% | $4,815-24.2% | $4,741-23.0% |
| Participant deferral / active EE | $8,232 | $7,800+5.5% | $7,447+10.5% | $6,400+28.6% |
| Admin fee / account holder | $402 | $11,566-96.5% | $10,005-96.0% | $11,427-96.5% |