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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 | $65,387 | $97,732-33.1% | $83,831-22.0% | $135,380-51.7% |
| Participation rate | 70.0% | 80.0%-10.0pp | 76.1%-6.1pp | 82.6%-12.6pp |
| Annual return | -10.99% | 1287.56%-1298.5pp | 850.99%-862.0pp | 519.81%-530.8pp |
| Employer contribution / active EE | $2,678 | $4,222-36.6% | $3,631-26.3% | $4,779-44.0% |
| Participant deferral / active EE | $6,783 | $4,683+44.8% | $4,082+66.2% | $5,609+20.9% |
| Admin fee / account holder | $737 | $6,675-89.0% | $5,479-86.6% | $10,828-93.2% |