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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 | $13,589 | $95,188-85.7% | $76,518-82.2% | $135,380-90.0% |
| Participation rate | 100.0% | 74.4%+25.6pp | 68.0%+32.0pp | 82.6%+17.4pp |
| Annual return | -28.77% | 4.85%-33.6pp | -0.27%-28.5pp | 519.81%-548.6pp |
| Employer contribution / active EE | $10,042 | $3,303+204.0% | $2,647+279.3% | $4,779+110.1% |
| Participant deferral / active EE | $3,964 | $4,640-14.6% | $3,836+3.3% | $5,609-29.3% |
| Admin fee / account holder | $869 | $6,249-86.1% | $4,849-82.1% | $10,828-92.0% |