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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 | $45,122 | $96,388-53.2% | $80,627-44.0% | $139,466-67.6% |
| Participation rate | 100.0% | 73.6%+26.4pp | 67.0%+33.0pp | 80.3%+19.7pp |
| Annual return | -8.56% | 1352.08%-1360.6pp | 936.76%-945.3pp | 373.66%-382.2pp |
| Employer contribution / active EE | $6,151 | $3,260+88.7% | $2,723+125.9% | $4,754+29.4% |
| Participant deferral / active EE | $1,863 | $5,224-64.3% | $4,443-58.1% | $6,712-72.2% |
| Admin fee / account holder | $12,422 | $6,603+88.1% | $5,381+130.9% | $11,409+8.9% |