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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 | $94,303 | $97,732-3.5% | $83,831+12.5% | $135,380-30.3% |
| Participation rate | 100.0% | 80.0%+20.0pp | 76.1%+23.9pp | 82.6%+17.4pp |
| Annual return | -9.99% | 1287.56%-1297.5pp | 850.99%-861.0pp | 519.81%-529.8pp |
| Employer contribution / active EE | $13,244 | $4,222+213.7% | $3,631+264.7% | $4,779+177.1% |
| Participant deferral / active EE | $13,725 | $4,683+193.1% | $4,082+236.2% | $5,609+144.7% |
| Admin fee / account holder | $7,167 | $6,675+7.4% | $5,479+30.8% | $10,828-33.8% |