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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 | $95,045 | $75,832+25.3% | $147,617-35.6% | $59,633+59.4% |
| Participation rate | 100.0% | 71.6%+28.4pp | 84.6%+15.4pp | 68.7%+31.3pp |
| Annual return | -4.13% | 0.37%-4.5pp | 61.98%-66.1pp | 2041.45%-2045.6pp |
| Employer contribution / active EE | $11,484 | $3,485+229.5% | $5,564+106.4% | $2,203+421.4% |
| Participant deferral / active EE | $7,502 | $3,131+139.6% | $4,895+53.2% | $3,192+135.0% |
| Admin fee / account holder | $23,268 | $5,986+288.7% | $11,612+100.4% | $4,297+441.5% |