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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 | $14,423 | $111,787-87.1% | $93,681-84.6% | $145,978-90.1% |
| Participation rate | 100.0% | 74.2%+25.8pp | 68.7%+31.3pp | 80.3%+19.7pp |
| Annual return | -9.66% | 203.52%-213.2pp | 133.47%-143.1pp | 550.52%-560.2pp |
| Employer contribution / active EE | $1,332 | $3,093-56.9% | $2,422-45.0% | $4,662-71.4% |
| Participant deferral / active EE | $5,208 | $4,918+5.9% | $4,415+18.0% | $6,690-22.1% |
| Admin fee / account holder | $2,514 | $10,256-75.5% | $8,290-69.7% | $13,400-81.2% |