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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 | $41,061 | $138,076-70.3% | $123,553-66.8% | $135,380-69.7% |
| Participation rate | 100.0% | 84.7%+15.3pp | 82.3%+17.7pp | 82.6%+17.4pp |
| Annual return | -11.01% | 153.70%-164.7pp | 119.21%-130.2pp | 519.81%-530.8pp |
| Employer contribution / active EE | $3,994 | $5,152-22.5% | $4,628-13.7% | $4,779-16.4% |
| Participant deferral / active EE | $14,254 | $6,800+109.6% | $6,426+121.8% | $5,609+154.1% |
| Admin fee / account holder | $408 | $10,917-96.3% | $9,284-95.6% | $10,828-96.2% |