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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 | $117,282 | $72,071+62.7% | $68,368+71.5% | $137,256-14.6% |
| Participation rate | 100.0% | 76.2%+23.8pp | 73.8%+26.2pp | 80.0%+20.0pp |
| Annual return | -0.27% | 353.14%-353.4pp | 292.57%-292.8pp | 220.34%-220.6pp |
| Employer contribution / active EE | $7,012 | $2,788+151.5% | $2,649+164.7% | $4,156+68.7% |
| Participant deferral / active EE | $13,615 | $4,410+208.7% | $4,123+230.2% | $6,407+112.5% |
| Admin fee / account holder | $5,029 | $5,336-5.7% | $5,150-2.3% | $12,270-59.0% |