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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 | $59,941 | $56,200+6.7% | $67,653-11.4% | $59,633+0.5% |
| Participation rate | 86.5% | 71.5%+15.0pp | 75.7%+10.8pp | 68.7%+17.8pp |
| Annual return | -2.54% | 18506.71%-18509.2pp | 6625.22%-6627.8pp | 2041.40%-2043.9pp |
| Employer contribution / active EE | $2,795 | $1,615+73.1% | $2,266+23.3% | $2,203+26.9% |
| Participant deferral / active EE | $6,444 | $2,843+126.6% | $3,560+81.0% | $3,192+101.9% |
| Admin fee / account holder | $4,648 | $3,959+17.4% | $4,821-3.6% | $4,297+8.2% |