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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 | $40,893 | $69,012-40.7% | $160,037-74.4% | $68,490-40.3% |
| Participation rate | 100.0% | 65.4%+34.6pp | 78.0%+22.0pp | 67.9%+32.1pp |
| Annual return | -20.81% | -9.65%-11.2pp | 408.95%-429.8pp | -7.85%-13.0pp |
| Employer contribution / active EE | $2,730 | $2,212+23.4% | $4,226-35.4% | $2,597+5.1% |
| Participant deferral / active EE | $4,895 | $4,212+16.2% | $6,184-20.8% | $4,028+21.5% |
| Admin fee / account holder | $2,125 | $4,798-55.7% | $8,716-75.6% | $5,403-60.7% |