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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 | $41,572 | $84,628-50.9% | $61,501-32.4% | $134,545-69.1% |
| Participation rate | 100.0% | 62.2%+37.8pp | 52.6%+47.4pp | 81.2%+18.8pp |
| Annual return | -25.80% | 585.61%-611.4pp | 339.04%-364.8pp | 418.37%-444.2pp |
| Employer contribution / active EE | $1,911 | $1,545+23.7% | $1,160+64.8% | $4,742-59.7% |
| Participant deferral / active EE | $3,819 | $2,819+35.5% | $2,125+79.8% | $6,401-40.3% |
| Admin fee / account holder | $6,706 | $2,587+159.2% | $2,132+214.6% | $11,431-41.3% |