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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 | $59,039 | $95,979-38.5% | $74,551-20.8% | $135,380-56.4% |
| Participation rate | 100.0% | 75.7%+24.3pp | 69.1%+30.9pp | 82.6%+17.4pp |
| Annual return | -11.43% | 56.97%-68.4pp | 32.53%-44.0pp | 519.81%-531.2pp |
| Employer contribution / active EE | $10,968 | $2,716+303.8% | $1,961+459.3% | $4,779+129.5% |
| Participant deferral / active EE | $9,060 | $3,844+135.7% | $3,108+191.5% | $5,609+61.5% |
| Admin fee / account holder | $577 | $6,522-91.2% | $5,059-88.6% | $10,828-94.7% |