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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 | $52,708 | $138,078-61.8% | $125,363-58.0% | $134,509-60.8% |
| Participation rate | 100.0% | 84.5%+15.5pp | 82.4%+17.6pp | 81.2%+18.8pp |
| Annual return | -20.77% | 750.49%-771.3pp | 572.15%-592.9pp | 418.13%-438.9pp |
| Employer contribution / active EE | $9,946 | $5,245+89.6% | $4,815+106.6% | $4,741+109.8% |
| Participant deferral / active EE | $5,958 | $7,800-23.6% | $7,447-20.0% | $6,400-6.9% |
| Admin fee / account holder | $463 | $11,566-96.0% | $10,005-95.4% | $11,427-96.0% |