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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 | $54,734 | $138,114-60.4% | $125,391-56.3% | $134,545-59.3% |
| Participation rate | 70.0% | 84.5%-14.5pp | 82.4%-12.4pp | 81.2%-11.2pp |
| Annual return | -23.50% | 750.88%-774.4pp | 572.41%-595.9pp | 418.37%-441.9pp |
| Employer contribution / active EE | $4,630 | $5,246-11.7% | $4,816-3.9% | $4,742-2.4% |
| Participant deferral / active EE | $12,048 | $7,801+54.4% | $7,448+61.8% | $6,401+88.2% |
| Admin fee / account holder | $2,170 | $11,570-81.2% | $10,009-78.3% | $11,431-81.0% |