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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 | $29,457 | $108,701-72.9% | $74,723-60.6% | $152,909-80.7% |
| Participation rate | 100.0% | 65.4%+34.6pp | 54.5%+45.5pp | 82.5%+17.5pp |
| Annual return | -8.85% | 114.12%-123.0pp | 753.18%-762.0pp | 345.46%-354.3pp |
| Employer contribution / active EE | $7,964 | $1,504+429.5% | $1,084+634.6% | $4,764+67.2% |
| Participant deferral / active EE | $4,485 | $2,709+65.6% | $1,962+128.7% | $5,851-23.3% |
| Admin fee / account holder | $545 | $4,906-88.9% | $3,335-83.7% | $11,601-95.3% |