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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 | $44,200 | $97,729-54.8% | $83,830-47.3% | $135,379-67.4% |
| Participation rate | 100.0% | 80.0%+20.0pp | 76.1%+23.9pp | 82.6%+17.4pp |
| Annual return | -14.41% | 1287.52%-1301.9pp | 850.97%-865.4pp | 519.79%-534.2pp |
| Employer contribution / active EE | $12,679 | $4,222+200.3% | $3,631+249.2% | $4,779+165.3% |
| Participant deferral / active EE | $12,344 | $4,683+163.6% | $4,082+202.4% | $5,609+120.1% |
| Admin fee / account holder | $364 | $6,674-94.5% | $5,479-93.4% | $10,828-96.6% |