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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 | $63,727 | $100,911-36.8% | $90,440-29.5% | $158,966-59.9% |
| Participation rate | 100.0% | 75.0%+25.0pp | 72.7%+27.3pp | 82.0%+18.0pp |
| Annual return | -1.99% | 1726.62%-1728.6pp | 1294.38%-1296.4pp | 302.95%-304.9pp |
| Employer contribution / active EE | $7,710 | $3,690+108.9% | $3,263+136.3% | $4,762+61.9% |
| Participant deferral / active EE | $8,492 | $4,348+95.3% | $3,964+114.2% | $5,983+41.9% |
| Admin fee / account holder | $545 | $6,507-91.6% | $5,615-90.3% | $11,250-95.2% |