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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 | $37,319 | $138,075-73.0% | $123,552-69.8% | $135,379-72.4% |
| Participation rate | 100.0% | 84.7%+15.3pp | 82.3%+17.7pp | 82.6%+17.4pp |
| Annual return | -13.75% | 153.70%-167.4pp | 119.20%-132.9pp | 519.79%-533.5pp |
| Employer contribution / active EE | $15,331 | $5,152+197.6% | $4,628+231.3% | $4,779+220.8% |
| Participant deferral / active EE | $8,905 | $6,800+31.0% | $6,426+38.6% | $5,609+58.8% |
| Admin fee / account holder | $5,437 | $10,917-50.2% | $9,285-41.4% | $10,828-49.8% |