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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 | $82,289 | $78,694+4.6% | $67,653+21.6% | $125,388-34.4% |
| Participation rate | 100.0% | 78.8%+21.2pp | 75.7%+24.3pp | 83.2%+16.8pp |
| Annual return | -3.44% | 9.46%-12.9pp | 6625.22%-6628.7pp | 282.24%-285.7pp |
| Employer contribution / active EE | $13,439 | $3,044+341.5% | $2,266+493.2% | $4,866+176.2% |
| Participant deferral / active EE | $8,370 | $4,292+95.0% | $3,560+135.1% | $5,352+56.4% |
| Admin fee / account holder | $1,268 | $7,403-82.9% | $4,821-73.7% | $9,541-86.7% |