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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 | $211,604 | $138,114+53.2% | $125,391+68.8% | $134,545+57.3% |
| Participation rate | 100.0% | 84.5%+15.5pp | 82.4%+17.6pp | 81.2%+18.8pp |
| Annual return | -21.07% | 750.88%-772.0pp | 572.41%-593.5pp | 418.37%-439.4pp |
| Employer contribution / active EE | $2,497 | $5,246-52.4% | $4,816-48.2% | $4,742-47.3% |
| Participant deferral / active EE | $11,381 | $7,801+45.9% | $7,448+52.8% | $6,401+77.8% |
| Admin fee / account holder | $931 | $11,570-92.0% | $10,009-90.7% | $11,431-91.9% |