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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 | $24,641 | $54,355-54.7% | $82,744-70.2% | $68,486-64.0% |
| Participation rate | 100.0% | 63.9%+36.1pp | 72.6%+27.4pp | 67.9%+32.1pp |
| Annual return | -20.73% | -13.67%-7.1pp | 702.22%-723.0pp | -7.85%-12.9pp |
| Employer contribution / active EE | $1,452 | $2,219-34.6% | $3,008-51.7% | $2,597-44.1% |
| Participant deferral / active EE | $6,352 | $3,246+95.7% | $4,395+44.5% | $4,028+57.7% |
| Admin fee / account holder | $2,953 | $4,397-32.8% | $5,325-44.5% | $5,404-45.3% |