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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 | $39,721 | $135,639-70.7% | $110,241-64.0% | $135,382-70.7% |
| Participation rate | 90.0% | 83.5%+6.5pp | 79.8%+10.2pp | 82.6%+7.4pp |
| Annual return | -12.51% | 513.21%-525.7pp | 314.75%-327.3pp | 519.77%-532.3pp |
| Employer contribution / active EE | $11,045 | $4,907+125.1% | $3,827+188.6% | $4,779+131.1% |
| Participant deferral / active EE | $4,375 | $5,507-20.6% | $4,672-6.4% | $5,609-22.0% |
| Admin fee / account holder | $780 | $11,457-93.2% | $8,548-90.9% | $10,829-92.8% |