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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 | $18,391 | $95,979-80.8% | $74,551-75.3% | $135,380-86.4% |
| Participation rate | 100.0% | 75.7%+24.3pp | 69.1%+30.9pp | 82.6%+17.4pp |
| Annual return | -10.64% | 56.97%-67.6pp | 32.53%-43.2pp | 519.81%-530.4pp |
| Employer contribution / active EE | $877 | $2,716-67.7% | $1,961-55.3% | $4,779-81.7% |
| Participant deferral / active EE | $4,278 | $3,844+11.3% | $3,108+37.6% | $5,609-23.7% |
| Admin fee / account holder | $391 | $6,522-94.0% | $5,059-92.3% | $10,828-96.4% |