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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 | $23,202 | $138,076-83.2% | $123,553-81.2% | $135,380-82.9% |
| Participation rate | 100.0% | 84.7%+15.3pp | 82.3%+17.7pp | 82.6%+17.4pp |
| Annual return | -17.96% | 153.70%-171.7pp | 119.21%-137.2pp | 519.81%-537.8pp |
| Employer contribution / active EE | $13,809 | $5,152+168.0% | $4,628+198.4% | $4,779+189.0% |
| Participant deferral / active EE | $7,167 | $6,800+5.4% | $6,426+11.5% | $5,609+27.8% |
| Admin fee / account holder | $399 | $10,917-96.3% | $9,284-95.7% | $10,828-96.3% |