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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 | $23,037 | $97,732-76.4% | $83,831-72.5% | $135,380-83.0% |
| Participation rate | 100.0% | 80.0%+20.0pp | 76.1%+23.9pp | 82.6%+17.4pp |
| Annual return | -11.49% | 1287.56%-1299.0pp | 850.99%-862.5pp | 519.81%-531.3pp |
| Employer contribution / active EE | $5,460 | $4,222+29.3% | $3,631+50.4% | $4,779+14.3% |
| Participant deferral / active EE | $3,877 | $4,683-17.2% | $4,082-5.0% | $5,609-30.9% |
| Admin fee / account holder | $805 | $6,675-87.9% | $5,479-85.3% | $10,828-92.6% |