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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 | $30,191 | $138,076-78.1% | $123,553-75.6% | $135,380-77.7% |
| Participation rate | 100.0% | 84.7%+15.3pp | 82.3%+17.7pp | 82.6%+17.4pp |
| Annual return | -10.36% | 153.70%-164.1pp | 119.21%-129.6pp | 519.81%-530.2pp |
| Employer contribution / active EE | $1,678 | $5,152-67.4% | $4,628-63.7% | $4,779-64.9% |
| Participant deferral / active EE | $3,047 | $6,800-55.2% | $6,426-52.6% | $5,609-45.7% |
| Admin fee / account holder | $1,898 | $10,917-82.6% | $9,284-79.6% | $10,828-82.5% |