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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 | $113,377 | $160,059-29.2% | $140,019-19.0% | $135,380-16.3% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.5%+12.5pp | 82.6%+17.4pp |
| Annual return | -15.92% | 911.48%-927.4pp | 651.17%-667.1pp | 519.81%-535.7pp |
| Employer contribution / active EE | $30,000 | $6,420+367.3% | $5,605+435.2% | $4,779+527.8% |
| Participant deferral / active EE | $20,000 | $7,641+161.8% | $6,927+188.7% | $5,609+256.6% |
| Admin fee / account holder | $1,676 | $13,328-87.4% | $10,705-84.3% | $10,828-84.5% |