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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 | $149,572 | $138,114+8.3% | $125,391+19.3% | $134,545+11.2% |
| Participation rate | 100.0% | 84.5%+15.5pp | 82.4%+17.6pp | 81.2%+18.8pp |
| Annual return | -23.61% | 750.88%-774.5pp | 572.41%-596.0pp | 418.37%-442.0pp |
| Employer contribution / active EE | $23,100 | $5,246+340.3% | $4,816+379.7% | $4,742+387.2% |
| Participant deferral / active EE | $24,133 | $7,801+209.4% | $7,448+224.0% | $6,401+277.0% |
| Admin fee / account holder | $4,344 | $11,570-62.5% | $10,009-56.6% | $11,431-62.0% |