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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 | $16,869 | $97,729-82.7% | $83,830-79.9% | $135,379-87.5% |
| Participation rate | 100.0% | 80.0%+20.0pp | 76.1%+23.9pp | 82.6%+17.4pp |
| Annual return | -18.03% | 1287.52%-1305.6pp | 850.97%-869.0pp | 519.79%-537.8pp |
| Employer contribution / active EE | $2,276 | $4,222-46.1% | $3,631-37.3% | $4,779-52.4% |
| Participant deferral / active EE | $7,817 | $4,683+66.9% | $4,082+91.5% | $5,609+39.4% |
| Admin fee / account holder | $1,238 | $6,674-81.5% | $5,479-77.4% | $10,828-88.6% |