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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 | $107,081 | $160,059-33.1% | $140,019-23.5% | $135,380-20.9% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.5%+12.5pp | 82.6%+17.4pp |
| Annual return | -9.65% | 911.48%-921.1pp | 651.17%-660.8pp | 519.81%-529.5pp |
| Employer contribution / active EE | $17,807 | $6,420+177.4% | $5,605+217.7% | $4,779+272.6% |
| Participant deferral / active EE | $15,569 | $7,641+103.8% | $6,927+124.8% | $5,609+177.6% |
| Admin fee / account holder | $4,683 | $13,328-64.9% | $10,705-56.3% | $10,828-56.8% |