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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 | $8,816 | $104,116-91.5% | $71,089-87.6% | $135,380-93.5% |
| Participation rate | 100.0% | 65.7%+34.3pp | 54.6%+45.4pp | 82.6%+17.4pp |
| Annual return | -17.84% | 1256.51%-1274.3pp | 650.65%-668.5pp | 519.81%-537.6pp |
| Employer contribution / active EE | $5,620 | $1,485+278.5% | $1,088+416.7% | $4,779+17.6% |
| Participant deferral / active EE | $3,608 | $2,524+43.0% | $1,873+92.7% | $5,609-35.7% |
| Admin fee / account holder | $830 | $4,142-80.0% | $3,082-73.1% | $10,828-92.3% |