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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 | $228,465 | $167,362+36.5% | $143,799+58.9% | $134,532+69.8% |
| Participation rate | 88.9% | 84.8%+4.1pp | 80.3%+8.6pp | 81.2%+7.7pp |
| Annual return | -56.97% | 0.47%-57.4pp | -0.04%-56.9pp | 418.27%-475.2pp |
| Employer contribution / active EE | $11,773 | $5,620+109.5% | $4,952+137.7% | $4,741+148.3% |
| Participant deferral / active EE | $12,157 | $6,447+88.6% | $5,638+115.6% | $6,401+89.9% |
| Admin fee / account holder | $896 | $18,094-95.0% | $14,677-93.9% | $11,429-92.2% |