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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 | $83,987 | $138,075-39.2% | $123,552-32.0% | $135,379-38.0% |
| Participation rate | 100.0% | 84.7%+15.3pp | 82.3%+17.7pp | 82.6%+17.4pp |
| Annual return | -9.65% | 153.70%-163.4pp | 119.20%-128.9pp | 519.79%-529.4pp |
| Employer contribution / active EE | $9,132 | $5,152+77.3% | $4,628+97.3% | $4,779+91.1% |
| Participant deferral / active EE | $7,692 | $6,800+13.1% | $6,426+19.7% | $5,609+37.1% |
| Admin fee / account holder | $701 | $10,917-93.6% | $9,285-92.4% | $10,828-93.5% |