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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 | $47,542 | $135,639-64.9% | $110,241-56.9% | $135,382-64.9% |
| Participation rate | 100.0% | 83.5%+16.5pp | 79.8%+20.2pp | 82.6%+17.4pp |
| Annual return | -13.68% | 513.21%-526.9pp | 314.75%-328.4pp | 519.77%-533.5pp |
| Employer contribution / active EE | $11,835 | $4,907+141.2% | $3,827+209.3% | $4,779+147.6% |
| Participant deferral / active EE | $11,852 | $5,507+115.2% | $4,672+153.7% | $5,609+111.3% |
| Admin fee / account holder | $559 | $11,457-95.1% | $8,548-93.5% | $10,829-94.8% |