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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 | $70,615 | $180,466-60.9% | $154,114-54.2% | $135,382-47.8% |
| Participation rate | 100.0% | 87.4%+12.6pp | 83.0%+17.0pp | 82.6%+17.4pp |
| Annual return | -9.30% | 888.15%-897.5pp | 735.16%-744.5pp | 519.77%-529.1pp |
| Employer contribution / active EE | $16,322 | $6,035+170.4% | $5,298+208.1% | $4,779+241.6% |
| Participant deferral / active EE | $6,969 | $5,806+20.0% | $5,081+37.2% | $5,609+24.2% |
| Admin fee / account holder | $685 | $16,144-95.8% | $13,411-94.9% | $10,829-93.7% |