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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 | $117,175 | $160,059-26.8% | $140,019-16.3% | $135,379-13.4% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.5%+12.5pp | 82.6%+17.4pp |
| Annual return | -12.37% | 911.44%-923.8pp | 651.15%-663.5pp | 519.79%-532.2pp |
| Employer contribution / active EE | $30,996 | $6,420+382.8% | $5,605+453.0% | $4,779+548.6% |
| Participant deferral / active EE | $24,500 | $7,641+220.6% | $6,927+253.7% | $5,609+336.8% |
| Admin fee / account holder | $3,007 | $13,328-77.4% | $10,705-71.9% | $10,828-72.2% |