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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 | $185,128 | $90,606+104.3% | $79,466+133.0% | $135,379+36.7% |
| Participation rate | 86.4% | 76.0%+10.3pp | 73.3%+13.0pp | 82.6%+3.7pp |
| Annual return | -11.85% | 977.69%-989.5pp | 718.28%-730.1pp | 519.79%-531.6pp |
| Employer contribution / active EE | $3,436 | $3,068+12.0% | $2,800+22.7% | $4,779-28.1% |
| Participant deferral / active EE | $2,352 | $4,050-41.9% | $3,704-36.5% | $5,609-58.1% |
| Admin fee / account holder | $11,003 | $5,895+86.6% | $5,104+115.6% | $10,828+1.6% |