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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 | $22,109 | $92,743-76.2% | $82,744-73.3% | $134,532-83.6% |
| Participation rate | 100.0% | 75.2%+24.8pp | 72.6%+27.4pp | 81.2%+18.8pp |
| Annual return | -30.11% | 946.63%-976.7pp | 702.22%-732.3pp | 418.27%-448.4pp |
| Employer contribution / active EE | $14,334 | $3,273+338.0% | $3,008+376.5% | $4,741+202.3% |
| Participant deferral / active EE | $9,333 | $4,802+94.4% | $4,395+112.4% | $6,401+45.8% |
| Admin fee / account holder | $850 | $5,977-85.8% | $5,325-84.0% | $11,429-92.6% |