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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 | $24,965 | $138,102-81.9% | $125,381-80.1% | $134,532-81.4% |
| Participation rate | 91.7% | 84.5%+7.2pp | 82.4%+9.3pp | 81.2%+10.4pp |
| Annual return | -23.36% | 750.73%-774.1pp | 572.31%-595.7pp | 418.27%-441.6pp |
| Employer contribution / active EE | $2,826 | $5,245-46.1% | $4,815-41.3% | $4,741-40.4% |
| Participant deferral / active EE | $10,159 | $7,801+30.2% | $7,448+36.4% | $6,401+58.7% |
| Admin fee / account holder | $372 | $11,568-96.8% | $10,007-96.3% | $11,429-96.7% |