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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 | $23,642 | $95,975-75.4% | $74,552-68.3% | $135,377-82.5% |
| Participation rate | 100.0% | 75.6%+24.4pp | 69.1%+30.9pp | 82.6%+17.4pp |
| Annual return | -54.05% | 56.96%-111.0pp | 32.53%-86.6pp | 519.75%-573.8pp |
| Employer contribution / active EE | $3,385 | $2,716+24.6% | $1,961+72.6% | $4,779-29.2% |
| Participant deferral / active EE | $13,333 | $3,843+246.9% | $3,108+329.0% | $5,609+137.7% |
| Admin fee / account holder | $5,945 | $6,522-8.8% | $5,060+17.5% | $10,828-45.1% |