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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 | $61,846 | $138,076-55.2% | $123,553-49.9% | $135,380-54.3% |
| Participation rate | 75.0% | 84.7%-9.7pp | 82.3%-7.3pp | 82.6%-7.6pp |
| Annual return | -9.94% | 153.70%-163.6pp | 119.21%-129.1pp | 519.81%-529.7pp |
| Employer contribution / active EE | $8,552 | $5,152+66.0% | $4,628+84.8% | $4,779+79.0% |
| Participant deferral / active EE | $10,690 | $6,800+57.2% | $6,426+66.4% | $5,609+90.6% |
| Admin fee / account holder | $716 | $10,917-93.4% | $9,284-92.3% | $10,828-93.4% |