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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 | $82,716 | $152,542-45.8% | $117,498-29.6% | $134,509-38.5% |
| Participation rate | 100.0% | 77.1%+22.9pp | 70.6%+29.4pp | 81.2%+18.8pp |
| Annual return | -22.85% | 53.02%-75.9pp | 29.75%-52.6pp | 418.13%-441.0pp |
| Employer contribution / active EE | $6,981 | $5,574+25.2% | $4,178+67.1% | $4,741+47.3% |
| Participant deferral / active EE | $8,936 | $4,819+85.4% | $4,071+119.5% | $6,400+39.6% |
| Admin fee / account holder | $314 | $7,006-95.5% | $5,646-94.4% | $11,427-97.3% |