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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 | $57,042 | $82,630-31.0% | $64,105-11.0% | $125,389-54.5% |
| Participation rate | 100.0% | 75.9%+24.1pp | 68.2%+31.8pp | 83.2%+16.8pp |
| Annual return | -3.85% | 1489.72%-1493.6pp | 791.24%-795.1pp | 282.24%-286.1pp |
| Employer contribution / active EE | $9,035 | $2,671+238.2% | $1,820+396.4% | $4,866+85.7% |
| Participant deferral / active EE | $5,946 | $3,608+64.8% | $2,822+110.7% | $5,352+11.1% |
| Admin fee / account holder | $370 | $6,382-94.2% | $4,499-91.8% | $9,541-96.1% |