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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 | $31,321 | $92,743-66.2% | $82,744-62.1% | $134,532-76.7% |
| Participation rate | 100.0% | 75.2%+24.8pp | 72.6%+27.4pp | 81.2%+18.8pp |
| Annual return | -22.47% | 946.63%-969.1pp | 702.22%-724.7pp | 418.27%-440.7pp |
| Employer contribution / active EE | $10,253 | $3,273+213.3% | $3,008+240.8% | $4,741+116.3% |
| Participant deferral / active EE | $8,002 | $4,802+66.7% | $4,395+82.1% | $6,401+25.0% |
| Admin fee / account holder | $447 | $5,977-92.5% | $5,325-91.6% | $11,429-96.1% |