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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 | $116,782 | $135,645-13.9% | $110,243+5.9% | $135,380-13.7% |
| Participation rate | 100.0% | 83.5%+16.5pp | 79.8%+20.2pp | 82.6%+17.4pp |
| Annual return | -12.99% | 513.24%-526.2pp | 314.76%-327.8pp | 519.81%-532.8pp |
| Employer contribution / active EE | $18,333 | $4,907+273.6% | $3,827+379.1% | $4,779+283.6% |
| Participant deferral / active EE | $2,173 | $5,507-60.5% | $4,672-53.5% | $5,609-61.3% |
| Admin fee / account holder | $538 | $11,458-95.3% | $8,548-93.7% | $10,828-95.0% |