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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 | $39,825 | $95,975-58.5% | $74,552-46.6% | $135,382-70.6% |
| Participation rate | 100.0% | 75.7%+24.3pp | 69.1%+30.9pp | 82.6%+17.4pp |
| Annual return | -13.13% | 56.96%-70.1pp | 32.53%-45.7pp | 519.77%-532.9pp |
| Employer contribution / active EE | $9,965 | $2,716+266.9% | $1,961+408.2% | $4,779+108.5% |
| Participant deferral / active EE | $5,683 | $3,844+47.9% | $3,108+82.9% | $5,609+1.3% |
| Admin fee / account holder | $528 | $6,522-91.9% | $5,060-89.6% | $10,829-95.1% |