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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 | $98,933 | $129,959-23.9% | $104,301-5.1% | $134,532-26.5% |
| Participation rate | 100.0% | 79.5%+20.5pp | 73.3%+26.7pp | 81.2%+18.8pp |
| Annual return | -20.34% | 42.04%-62.4pp | 24.61%-45.0pp | 418.27%-438.6pp |
| Employer contribution / active EE | $6,164 | $4,185+47.3% | $3,373+82.8% | $4,741+30.0% |
| Participant deferral / active EE | $6,215 | $5,589+11.2% | $4,626+34.4% | $6,401-2.9% |
| Admin fee / account holder | $5,463 | $9,325-41.4% | $7,340-25.6% | $11,429-52.2% |