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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 | $29,179 | $138,076-78.9% | $123,553-76.4% | $135,380-78.4% |
| Participation rate | 100.0% | 84.7%+15.3pp | 82.3%+17.7pp | 82.6%+17.4pp |
| Annual return | -16.05% | 153.70%-169.8pp | 119.21%-135.3pp | 519.81%-535.9pp |
| Employer contribution / active EE | $12,996 | $5,152+152.3% | $4,628+180.8% | $4,779+171.9% |
| Participant deferral / active EE | $12,161 | $6,800+78.9% | $6,426+89.3% | $5,609+116.8% |
| Admin fee / account holder | $751 | $10,917-93.1% | $9,284-91.9% | $10,828-93.1% |