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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 | $20,292 | $133,998-84.9% | $112,263-81.9% | $134,545-84.9% |
| Participation rate | 88.9% | 78.6%+10.3pp | 75.1%+13.8pp | 81.2%+7.7pp |
| Annual return | -22.15% | 47.17%-69.3pp | 27.49%-49.6pp | 418.37%-440.5pp |
| Employer contribution / active EE | $4,537 | $4,040+12.3% | $3,636+24.8% | $4,742-4.3% |
| Participant deferral / active EE | $7,691 | $5,292+45.3% | $4,729+62.6% | $6,401+20.2% |
| Admin fee / account holder | $1,159 | $7,493-84.5% | $6,410-81.9% | $11,431-89.9% |