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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 | $183,764 | $138,102+33.1% | $125,381+46.6% | $134,532+36.6% |
| Participation rate | 100.0% | 84.5%+15.5pp | 82.4%+17.6pp | 81.2%+18.8pp |
| Annual return | -23.11% | 750.73%-773.8pp | 572.31%-595.4pp | 418.27%-441.4pp |
| Employer contribution / active EE | $13,164 | $5,245+151.0% | $4,815+173.4% | $4,741+177.7% |
| Participant deferral / active EE | $7,275 | $7,801-6.7% | $7,448-2.3% | $6,401+13.7% |
| Admin fee / account holder | $35,578 | $11,568+207.6% | $10,007+255.5% | $11,429+211.3% |