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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 | $13,814 | $92,766-85.1% | $82,763-83.3% | $134,545-89.7% |
| Participation rate | 87.5% | 75.2%+12.3pp | 72.6%+14.9pp | 81.2%+6.3pp |
| Annual return | -37.77% | 946.97%-984.7pp | 702.45%-740.2pp | 418.37%-456.1pp |
| Employer contribution / active EE | $2,586 | $3,273-21.0% | $3,008-14.0% | $4,742-45.5% |
| Participant deferral / active EE | $8,544 | $4,802+77.9% | $4,395+94.4% | $6,401+33.5% |
| Admin fee / account holder | $1,509 | $5,978-74.8% | $5,325-71.7% | $11,431-86.8% |