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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 | $15,559 | $97,732-84.1% | $83,831-81.4% | $135,380-88.5% |
| Participation rate | 100.0% | 80.0%+20.0pp | 76.1%+23.9pp | 82.6%+17.4pp |
| Annual return | -34.39% | 1287.56%-1321.9pp | 850.99%-885.4pp | 519.81%-554.2pp |
| Employer contribution / active EE | $6,250 | $4,222+48.0% | $3,631+72.1% | $4,779+30.8% |
| Participant deferral / active EE | $8,609 | $4,683+83.8% | $4,082+110.9% | $5,609+53.5% |
| Admin fee / account holder | $1,833 | $6,675-72.5% | $5,479-66.6% | $10,828-83.1% |