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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 | $45,783 | $90,607-49.5% | $79,467-42.4% | $135,380-66.2% |
| Participation rate | 100.0% | 76.0%+24.0pp | 73.3%+26.7pp | 82.6%+17.4pp |
| Annual return | -9.74% | 977.74%-987.5pp | 718.30%-728.0pp | 519.81%-529.5pp |
| Employer contribution / active EE | $5,089 | $3,068+65.9% | $2,800+81.7% | $4,779+6.5% |
| Participant deferral / active EE | $5,296 | $4,050+30.8% | $3,704+43.0% | $5,609-5.6% |
| Admin fee / account holder | $826 | $5,895-86.0% | $5,104-83.8% | $10,828-92.4% |