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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 | $30,064 | $99,644-69.8% | $86,438-65.2% | $134,532-77.7% |
| Participation rate | 100.0% | 82.1%+17.9pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -24.26% | 6787.26%-6811.5pp | 4397.19%-4421.4pp | 418.27%-442.5pp |
| Employer contribution / active EE | $1,529 | $4,402-65.3% | $3,769-59.4% | $4,741-67.7% |
| Participant deferral / active EE | $7,326 | $7,247+1.1% | $6,952+5.4% | $6,401+14.5% |
| Admin fee / account holder | $406 | $8,375-95.2% | $6,733-94.0% | $11,429-96.4% |