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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 | $212,469 | $99,079+114.4% | $78,002+172.4% | $273,972-22.4% |
| Participation rate | 100.0% | 78.6%+21.4pp | 75.5%+24.5pp | 83.0%+17.0pp |
| Annual return | -2.34% | 217.93%-220.3pp | 425.99%-428.3pp | 41.46%-43.8pp |
| Employer contribution / active EE | $11,202 | $3,308+238.7% | $2,470+353.5% | $4,869+130.1% |
| Participant deferral / active EE | $5,657 | $4,306+31.4% | $3,497+61.8% | $5,287+7.0% |
| Admin fee / account holder | $6,641 | $8,954-25.8% | $5,481+21.2% | $10,133-34.5% |