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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 | $57,542 | $138,114-58.3% | $125,391-54.1% | $134,545-57.2% |
| Participation rate | 85.7% | 84.5%+1.2pp | 82.4%+3.3pp | 81.2%+4.5pp |
| Annual return | -21.64% | 750.88%-772.5pp | 572.41%-594.1pp | 418.37%-440.0pp |
| Employer contribution / active EE | $1,392 | $5,246-73.5% | $4,816-71.1% | $4,742-70.6% |
| Participant deferral / active EE | $8,365 | $7,801+7.2% | $7,448+12.3% | $6,401+30.7% |
| Admin fee / account holder | $2,319 | $11,570-80.0% | $10,009-76.8% | $11,431-79.7% |