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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 | $199,586 | $138,114+44.5% | $125,391+59.2% | $134,545+48.3% |
| Participation rate | 100.0% | 84.5%+15.5pp | 82.4%+17.6pp | 81.2%+18.8pp |
| Annual return | -23.29% | 750.88%-774.2pp | 572.41%-595.7pp | 418.37%-441.7pp |
| Employer contribution / active EE | $10,569 | $5,246+101.5% | $4,816+119.5% | $4,742+122.9% |
| Participant deferral / active EE | $8,338 | $7,801+6.9% | $7,448+11.9% | $6,401+30.3% |
| Admin fee / account holder | $5,671 | $11,570-51.0% | $10,009-43.3% | $11,431-50.4% |