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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 | $63,036 | $211,946-70.3% | $169,452-62.8% | $135,379-53.4% |
| Participation rate | 100.0% | 82.6%+17.4pp | 77.8%+22.2pp | 82.6%+17.4pp |
| Annual return | -9.73% | 3.26%-13.0pp | 1.83%-11.6pp | 519.79%-529.5pp |
| Employer contribution / active EE | $17,419 | $5,117+240.4% | $4,157+319.0% | $4,779+264.5% |
| Participant deferral / active EE | $12,429 | $6,075+104.6% | $5,277+135.5% | $5,609+121.6% |
| Admin fee / account holder | $1,581 | $11,472-86.2% | $9,110-82.6% | $10,828-85.4% |