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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 | $64,272 | $160,059-59.8% | $140,019-54.1% | $135,380-52.5% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.5%+12.5pp | 82.6%+17.4pp |
| Annual return | -13.46% | 911.48%-924.9pp | 651.17%-664.6pp | 519.81%-533.3pp |
| Employer contribution / active EE | $13,122 | $6,420+104.4% | $5,605+134.1% | $4,779+174.6% |
| Participant deferral / active EE | $11,781 | $7,641+54.2% | $6,927+70.1% | $5,609+110.0% |
| Admin fee / account holder | $745 | $13,328-94.4% | $10,705-93.0% | $10,828-93.1% |