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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 | $53,141 | $138,075-61.5% | $123,552-57.0% | $135,379-60.7% |
| Participation rate | 100.0% | 84.7%+15.3pp | 82.3%+17.7pp | 82.6%+17.4pp |
| Annual return | -9.51% | 153.70%-163.2pp | 119.20%-128.7pp | 519.79%-529.3pp |
| Employer contribution / active EE | $13,801 | $5,152+167.9% | $4,628+198.2% | $4,779+188.8% |
| Participant deferral / active EE | $8,759 | $6,800+28.8% | $6,426+36.3% | $5,609+56.2% |
| Admin fee / account holder | $791 | $10,917-92.8% | $9,285-91.5% | $10,828-92.7% |