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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 | $51,275 | $82,674-38.0% | $125,381-59.1% | $68,486-25.1% |
| Participation rate | 98.5% | 75.1%+23.4pp | 82.4%+16.1pp | 67.9%+30.6pp |
| Annual return | -22.24% | -5.97%-16.3pp | 572.31%-594.5pp | -7.85%-14.4pp |
| Employer contribution / active EE | $4,972 | $3,382+47.0% | $4,815+3.2% | $2,597+91.5% |
| Participant deferral / active EE | $5,932 | $6,111-2.9% | $7,448-20.4% | $4,028+47.3% |
| Admin fee / account holder | $1,635 | $6,277-74.0% | $10,007-83.7% | $5,404-69.7% |