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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 | $108,991 | $202,342-46.1% | $172,753-36.9% | $152,909-28.7% |
| Participation rate | 100.0% | 87.1%+12.9pp | 82.6%+17.4pp | 82.5%+17.5pp |
| Annual return | -1.61% | 1029.88%-1031.5pp | 803.00%-804.6pp | 345.46%-347.1pp |
| Employer contribution / active EE | $19,444 | $5,857+232.0% | $5,144+278.0% | $4,764+308.2% |
| Participant deferral / active EE | $13,150 | $5,948+121.1% | $5,198+153.0% | $5,851+124.7% |
| Admin fee / account holder | $3,994 | $17,112-76.7% | $13,956-71.4% | $11,601-65.6% |