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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 | $24,470 | $112,131-78.2% | $95,964-74.5% | $158,982-84.6% |
| Participation rate | 100.0% | 79.0%+21.0pp | 77.1%+22.9pp | 82.0%+18.0pp |
| Annual return | -38.89% | 171.19%-210.1pp | 91.64%-130.5pp | 302.99%-341.9pp |
| Employer contribution / active EE | $5,962 | $3,199+86.4% | $2,541+134.6% | $4,763+25.2% |
| Participant deferral / active EE | $9,400 | $4,784+96.5% | $4,167+125.6% | $5,983+57.1% |
| Admin fee / account holder | $775 | $10,136-92.3% | $6,797-88.6% | $11,252-93.1% |