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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 | $42,356 | $133,981-68.4% | $112,249-62.3% | $134,532-68.5% |
| Participation rate | 100.0% | 78.6%+21.4pp | 75.1%+24.9pp | 81.2%+18.8pp |
| Annual return | -30.18% | 47.16%-77.3pp | 27.48%-57.7pp | 418.27%-448.5pp |
| Employer contribution / active EE | $15,956 | $4,040+295.0% | $3,636+338.8% | $4,741+236.5% |
| Participant deferral / active EE | $11,308 | $5,292+113.7% | $4,729+139.1% | $6,401+76.7% |
| Admin fee / account holder | $1,265 | $7,492-83.1% | $6,412-80.3% | $11,429-88.9% |