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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 | $54,802 | $56,197-2.5% | $67,652-19.0% | $59,633-8.1% |
| Participation rate | 76.6% | 71.5%+5.2pp | 75.7%+1.0pp | 68.7%+8.0pp |
| Annual return | -2.62% | 18508.10%-18510.7pp | 6625.40%-6628.0pp | 2041.45%-2044.1pp |
| Employer contribution / active EE | $1,748 | $1,615+8.2% | $2,266-22.9% | $2,203-20.7% |
| Participant deferral / active EE | $2,486 | $2,844-12.6% | $3,560-30.2% | $3,192-22.1% |
| Admin fee / account holder | $3,492 | $3,958-11.8% | $4,821-27.6% | $4,297-18.7% |