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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 | $67,545 | $138,076-51.1% | $123,553-45.3% | $135,380-50.1% |
| Participation rate | 92.3% | 84.7%+7.6pp | 82.3%+10.0pp | 82.6%+9.7pp |
| Annual return | -10.21% | 153.70%-163.9pp | 119.21%-129.4pp | 519.81%-530.0pp |
| Employer contribution / active EE | $5,366 | $5,152+4.1% | $4,628+15.9% | $4,779+12.3% |
| Participant deferral / active EE | $12,071 | $6,800+77.5% | $6,426+87.8% | $5,609+115.2% |
| Admin fee / account holder | $484 | $10,917-95.6% | $9,284-94.8% | $10,828-95.5% |