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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 | $36,707 | $93,124-60.6% | $77,100-52.4% | $134,545-72.7% |
| Participation rate | 100.0% | 74.5%+25.5pp | 67.9%+32.1pp | 81.2%+18.8pp |
| Annual return | -28.96% | 62.68%-91.6pp | 42.35%-71.3pp | 418.37%-447.3pp |
| Employer contribution / active EE | $18,475 | $3,421+440.0% | $2,815+556.3% | $4,742+289.6% |
| Participant deferral / active EE | $10,717 | $5,242+104.5% | $4,430+142.0% | $6,401+67.4% |
| Admin fee / account holder | $1,684 | $6,970-75.8% | $5,443-69.1% | $11,431-85.3% |