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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 | $32,591 | $90,607-64.0% | $79,467-59.0% | $135,380-75.9% |
| Participation rate | 100.0% | 76.0%+24.0pp | 73.3%+26.7pp | 82.6%+17.4pp |
| Annual return | -14.35% | 977.74%-992.1pp | 718.30%-732.7pp | 519.81%-534.2pp |
| Employer contribution / active EE | $12,562 | $3,068+309.5% | $2,800+348.6% | $4,779+162.9% |
| Participant deferral / active EE | $4,502 | $4,050+11.2% | $3,704+21.6% | $5,609-19.7% |
| Admin fee / account holder | $1,771 | $5,895-70.0% | $5,104-65.3% | $10,828-83.6% |