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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 | $74,757 | $97,761-23.5% | $83,850-10.8% | $135,382-44.8% |
| Participation rate | 80.0% | 80.0%0pp | 76.1%+3.9pp | 82.6%-2.6pp |
| Annual return | -23.02% | 1287.44%-1310.5pp | 850.92%-873.9pp | 519.77%-542.8pp |
| Employer contribution / active EE | $15,891 | $4,222+276.4% | $3,631+337.7% | $4,779+232.5% |
| Participant deferral / active EE | $8,016 | $4,682+71.2% | $4,082+96.4% | $5,609+42.9% |
| Admin fee / account holder | $1,071 | $6,674-84.0% | $5,478-80.5% | $10,829-90.1% |