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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 | $54,040 | $97,732-44.7% | $83,831-35.5% | $135,380-60.1% |
| Participation rate | 100.0% | 80.0%+20.0pp | 76.1%+23.9pp | 82.6%+17.4pp |
| Annual return | -10.55% | 1287.56%-1298.1pp | 850.99%-861.5pp | 519.81%-530.4pp |
| Employer contribution / active EE | $19,177 | $4,222+354.2% | $3,631+428.1% | $4,779+301.3% |
| Participant deferral / active EE | $12,250 | $4,683+161.6% | $4,082+200.1% | $5,609+118.4% |
| Admin fee / account holder | $411 | $6,675-93.8% | $5,479-92.5% | $10,828-96.2% |