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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 | $109,777 | $75,962+44.5% | $154,108-28.8% | $64,173+71.1% |
| Participation rate | 100.0% | 70.4%+29.6pp | 83.0%+17.0pp | 69.6%+30.4pp |
| Annual return | -15.57% | 30.32%-45.9pp | 735.21%-750.8pp | 7.63%-23.2pp |
| Employer contribution / active EE | $4,250 | $3,350+26.9% | $5,298-19.8% | $2,381+78.5% |
| Participant deferral / active EE | $4,122 | $3,175+29.8% | $5,081-18.9% | $3,470+18.8% |
| Admin fee / account holder | $11,368 | $5,589+103.4% | $13,411-15.2% | $4,887+132.6% |