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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 | $55,583 | $138,102-59.8% | $125,381-55.7% | $134,532-58.7% |
| Participation rate | 80.0% | 84.5%-4.5pp | 82.4%-2.4pp | 81.2%-1.2pp |
| Annual return | -21.73% | 750.73%-772.5pp | 572.31%-594.0pp | 418.27%-440.0pp |
| Employer contribution / active EE | $23,807 | $5,245+353.9% | $4,815+394.4% | $4,741+402.1% |
| Participant deferral / active EE | $10,106 | $7,801+29.6% | $7,448+35.7% | $6,401+57.9% |
| Admin fee / account holder | $984 | $11,568-91.5% | $10,007-90.2% | $11,429-91.4% |