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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 | $21,838 | $138,076-84.2% | $123,553-82.3% | $135,380-83.9% |
| Participation rate | 100.0% | 84.7%+15.3pp | 82.3%+17.7pp | 82.6%+17.4pp |
| Annual return | -13.40% | 153.70%-167.1pp | 119.21%-132.6pp | 519.81%-533.2pp |
| Employer contribution / active EE | $11,434 | $5,152+121.9% | $4,628+147.1% | $4,779+139.3% |
| Participant deferral / active EE | $15,543 | $6,800+128.6% | $6,426+141.9% | $5,609+177.1% |
| Admin fee / account holder | $3,403 | $10,917-68.8% | $9,284-63.3% | $10,828-68.6% |