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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 | $136,555 | $160,059-14.7% | $140,019-2.5% | $135,379+0.9% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.5%+12.5pp | 82.6%+17.4pp |
| Annual return | -14.02% | 911.44%-925.5pp | 651.15%-665.2pp | 519.79%-533.8pp |
| Employer contribution / active EE | $14,560 | $6,420+126.8% | $5,605+159.7% | $4,779+204.7% |
| Participant deferral / active EE | $13,646 | $7,641+78.6% | $6,927+97.0% | $5,609+143.3% |
| Admin fee / account holder | $537 | $13,328-96.0% | $10,705-95.0% | $10,828-95.0% |