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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 | $104,188 | $106,008-1.7% | $92,240+13.0% | $147,586-29.4% |
| Participation rate | 100.0% | 80.4%+19.6pp | 76.5%+23.5pp | 82.8%+17.2pp |
| Annual return | -0.83% | 50.05%-50.9pp | 176.29%-177.1pp | 578.59%-579.4pp |
| Employer contribution / active EE | $11,395 | $4,333+163.0% | $3,680+209.7% | $4,876+133.7% |
| Participant deferral / active EE | $7,821 | $4,478+74.6% | $3,897+100.7% | $5,439+43.8% |
| Admin fee / account holder | $778 | $6,333-87.7% | $5,194-85.0% | $10,886-92.8% |