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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 | $40,930 | $138,072-70.4% | $123,549-66.9% | $135,382-69.8% |
| Participation rate | 100.0% | 84.7%+15.3pp | 82.3%+17.7pp | 82.6%+17.4pp |
| Annual return | -10.76% | 153.69%-164.5pp | 119.20%-130.0pp | 519.77%-530.5pp |
| Employer contribution / active EE | $16,911 | $5,152+228.3% | $4,628+265.4% | $4,779+253.9% |
| Participant deferral / active EE | $12,781 | $6,799+88.0% | $6,426+98.9% | $5,609+127.9% |
| Admin fee / account holder | $3,264 | $10,917-70.1% | $9,284-64.8% | $10,829-69.9% |