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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 | $20,940 | $111,535-81.2% | $105,223-80.1% | $137,256-84.7% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 80.0%+20.0pp |
| Annual return | -0.28% | 237.85%-238.1pp | 180.65%-180.9pp | 220.34%-220.6pp |
| Employer contribution / active EE | $10,055 | $3,939+155.2% | $3,689+172.6% | $4,156+141.9% |
| Participant deferral / active EE | $0 | $5,500-100.0% | $5,072-100.0% | $6,407-100.0% |
| Admin fee / account holder | $5,051 | $9,721-48.0% | $8,859-43.0% | $12,270-58.8% |