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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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $42,433 | $47,105-9.9% | $68,368-37.9% | $67,986-37.6% |
| Participation rate | 100.0% | 51.8%+48.2pp | 73.8%+26.2pp | 57.2%+42.8pp |
| Annual return | 11.82% | 48.37%-36.6pp | 292.57%-280.8pp | 31.67%-19.8pp |
| Employer contribution / active EE | $636 | $1,859-65.8% | $2,649-76.0% | $2,019-68.5% |
| Participant deferral / active EE | $1,621 | $2,374-31.7% | $4,123-60.7% | $3,358-51.7% |
| Admin fee / account holder | $12,493 | $2,435+413.0% | $5,150+142.6% | $3,203+290.0% |