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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 | $48,729 | $75,832-35.7% | $147,617-67.0% | $59,633-18.3% |
| Participation rate | 100.0% | 71.6%+28.4pp | 84.6%+15.4pp | 68.7%+31.3pp |
| Annual return | -2.72% | 0.37%-3.1pp | 61.98%-64.7pp | 2041.45%-2044.2pp |
| Employer contribution / active EE | $5,540 | $3,485+59.0% | $5,564-0.4% | $2,203+151.5% |
| Participant deferral / active EE | $5,454 | $3,131+74.2% | $4,895+11.4% | $3,192+70.9% |
| Admin fee / account holder | $1,468 | $5,986-75.5% | $11,612-87.4% | $4,297-65.8% |