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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 | $133,663 | $180,466-25.9% | $154,114-13.3% | $135,382-1.3% |
| Participation rate | 100.0% | 87.4%+12.6pp | 83.0%+17.0pp | 82.6%+17.4pp |
| Annual return | -13.06% | 888.15%-901.2pp | 735.16%-748.2pp | 519.77%-532.8pp |
| Employer contribution / active EE | $28,250 | $6,035+368.1% | $5,298+433.2% | $4,779+491.2% |
| Participant deferral / active EE | $18,500 | $5,806+218.6% | $5,081+264.1% | $5,609+229.8% |
| Admin fee / account holder | $1,699 | $16,144-89.5% | $13,411-87.3% | $10,829-84.3% |