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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 | $119,146 | $75,832+57.1% | $147,617-19.3% | $59,633+99.8% |
| Participation rate | 73.1% | 71.6%+1.5pp | 84.6%-11.5pp | 68.7%+4.4pp |
| Annual return | -9.43% | 0.37%-9.8pp | 61.98%-71.4pp | 2041.45%-2050.9pp |
| Employer contribution / active EE | $11,367 | $3,485+226.2% | $5,564+104.3% | $2,203+416.1% |
| Participant deferral / active EE | $5,400 | $3,131+72.5% | $4,895+10.3% | $3,192+69.2% |
| Admin fee / account holder | $3,418 | $5,986-42.9% | $11,612-70.6% | $4,297-20.5% |