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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 | $102,761 | $180,466-43.1% | $154,114-33.3% | $135,382-24.1% |
| Participation rate | 100.0% | 87.4%+12.6pp | 83.0%+17.0pp | 82.6%+17.4pp |
| Annual return | -9.56% | 888.15%-897.7pp | 735.16%-744.7pp | 519.77%-529.3pp |
| Employer contribution / active EE | $8,400 | $6,035+39.2% | $5,298+58.6% | $4,779+75.8% |
| Participant deferral / active EE | $6,951 | $5,806+19.7% | $5,081+36.8% | $5,609+23.9% |
| Admin fee / account holder | $616 | $16,144-96.2% | $13,411-95.4% | $10,829-94.3% |