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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 | $16,965 | $72,071-76.5% | $68,368-75.2% | $137,256-87.6% |
| Participation rate | 100.0% | 76.2%+23.8pp | 73.8%+26.2pp | 80.0%+20.0pp |
| Annual return | -19.05% | 353.14%-372.2pp | 292.57%-311.6pp | 220.34%-239.4pp |
| Employer contribution / active EE | $3,530 | $2,788+26.6% | $2,649+33.3% | $4,156-15.1% |
| Participant deferral / active EE | $3,530 | $4,410-20.0% | $4,123-14.4% | $6,407-44.9% |
| Admin fee / account holder | $5,206 | $5,336-2.4% | $5,150+1.1% | $12,270-57.6% |