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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 | $37,335 | $160,059-76.7% | $140,019-73.3% | $135,379-72.4% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.5%+12.5pp | 82.6%+17.4pp |
| Annual return | -29.42% | 911.44%-940.9pp | 651.15%-680.6pp | 519.79%-549.2pp |
| Employer contribution / active EE | $14,015 | $6,420+118.3% | $5,605+150.0% | $4,779+193.3% |
| Participant deferral / active EE | $6,900 | $7,641-9.7% | $6,927-0.4% | $5,609+23.0% |
| Admin fee / account holder | $4,570 | $13,328-65.7% | $10,705-57.3% | $10,828-57.8% |