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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 | $107,594 | $99,644+8.0% | $86,438+24.5% | $134,532-20.0% |
| Participation rate | 100.0% | 82.1%+17.9pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -22.00% | 6787.26%-6809.3pp | 4397.19%-4419.2pp | 418.27%-440.3pp |
| Employer contribution / active EE | $27,161 | $4,402+517.0% | $3,769+620.6% | $4,741+472.9% |
| Participant deferral / active EE | $15,615 | $7,247+115.4% | $6,952+124.6% | $6,401+143.9% |
| Admin fee / account holder | $1,844 | $8,375-78.0% | $6,733-72.6% | $11,429-83.9% |