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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 | $64,045 | $160,059-60.0% | $140,019-54.3% | $135,380-52.7% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.5%+12.5pp | 82.6%+17.4pp |
| Annual return | -17.30% | 911.48%-928.8pp | 651.17%-668.5pp | 519.81%-537.1pp |
| Employer contribution / active EE | $13,152 | $6,420+104.9% | $5,605+134.6% | $4,779+175.2% |
| Participant deferral / active EE | $11,870 | $7,641+55.3% | $6,927+71.4% | $5,609+111.6% |
| Admin fee / account holder | $616 | $13,328-95.4% | $10,705-94.2% | $10,828-94.3% |