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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 | $60,266 | $138,076-56.4% | $123,553-51.2% | $135,380-55.5% |
| Participation rate | 80.0% | 84.7%-4.7pp | 82.3%-2.3pp | 82.6%-2.6pp |
| Annual return | -18.38% | 153.70%-172.1pp | 119.21%-137.6pp | 519.81%-538.2pp |
| Employer contribution / active EE | $16,195 | $5,152+214.4% | $4,628+249.9% | $4,779+238.9% |
| Participant deferral / active EE | $14,692 | $6,800+116.1% | $6,426+128.6% | $5,609+161.9% |
| Admin fee / account holder | $379 | $10,917-96.5% | $9,284-95.9% | $10,828-96.5% |