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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 | $128,757 | $138,068-6.7% | $125,358+2.7% | $134,493-4.3% |
| Participation rate | 94.4% | 84.5%+10.0pp | 82.4%+12.1pp | 81.2%+13.2pp |
| Annual return | -21.43% | 750.30%-771.7pp | 572.03%-593.5pp | 418.01%-439.4pp |
| Employer contribution / active EE | $12,497 | $5,244+138.3% | $4,814+159.6% | $4,740+163.6% |
| Participant deferral / active EE | $21,571 | $7,799+176.6% | $7,447+189.7% | $6,400+237.0% |
| Admin fee / account holder | $5,165 | $11,568-55.3% | $10,007-48.4% | $11,425-54.8% |