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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 | $25,761 | $100,805-74.4% | $86,698-70.3% | $134,532-80.9% |
| Participation rate | 100.0% | 79.0%+21.0pp | 76.6%+23.4pp | 81.2%+18.8pp |
| Annual return | -21.15% | 29.09%-50.2pp | 35.95%-57.1pp | 418.27%-439.4pp |
| Employer contribution / active EE | $5,964 | $3,490+70.9% | $2,837+110.3% | $4,741+25.8% |
| Participant deferral / active EE | $4,637 | $5,339-13.2% | $4,656-0.4% | $6,401-27.6% |
| Admin fee / account holder | $404 | $10,925-96.3% | $7,493-94.6% | $11,429-96.5% |