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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 | $88,226 | $83,337+5.9% | $67,834+30.1% | $273,972-67.8% |
| Participation rate | 100.0% | 76.4%+23.6pp | 68.8%+31.2pp | 83.0%+17.0pp |
| Annual return | -2.57% | 259.45%-262.0pp | 138.47%-141.0pp | 41.46%-44.0pp |
| Employer contribution / active EE | $8,768 | $3,287+166.7% | $2,403+264.8% | $4,869+80.1% |
| Participant deferral / active EE | $5,559 | $4,088+36.0% | $3,160+75.9% | $5,287+5.1% |
| Admin fee / account holder | $479 | $6,752-92.9% | $4,622-89.6% | $10,133-95.3% |