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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 | $133,766 | $138,114-3.1% | $125,391+6.7% | $134,545-0.6% |
| Participation rate | 100.0% | 84.5%+15.5pp | 82.4%+17.6pp | 81.2%+18.8pp |
| Annual return | -20.96% | 750.88%-771.8pp | 572.41%-593.4pp | 418.37%-439.3pp |
| Employer contribution / active EE | $14,861 | $5,246+183.3% | $4,816+208.6% | $4,742+213.4% |
| Participant deferral / active EE | $16,905 | $7,801+116.7% | $7,448+127.0% | $6,401+164.1% |
| Admin fee / account holder | $1,040 | $11,570-91.0% | $10,009-89.6% | $11,431-90.9% |