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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 | $136,314 | $167,323-18.5% | $143,770-5.2% | $134,493+1.4% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -20.21% | 0.47%-20.7pp | -0.04%-20.2pp | 418.01%-438.2pp |
| Employer contribution / active EE | $10,041 | $5,619+78.7% | $4,951+102.8% | $4,740+111.8% |
| Participant deferral / active EE | $12,062 | $6,446+87.1% | $5,638+114.0% | $6,400+88.5% |
| Admin fee / account holder | $1,391 | $18,088-92.3% | $14,673-90.5% | $11,425-87.8% |