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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 | $15,597 | $97,732-84.0% | $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 | -27.48% | 1287.56%-1315.0pp | 850.99%-878.5pp | 519.81%-547.3pp |
| Employer contribution / active EE | $17,291 | $4,222+309.5% | $3,631+376.2% | $4,779+261.8% |
| Participant deferral / active EE | $1,500 | $4,683-68.0% | $4,082-63.2% | $5,609-73.3% |
| Admin fee / account holder | $3,061 | $6,675-54.1% | $5,479-44.1% | $10,828-71.7% |