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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 | $134,895 | $180,459-25.2% | $154,108-12.5% | $135,380-0.4% |
| Participation rate | 100.0% | 87.4%+12.6pp | 83.0%+17.0pp | 82.6%+17.4pp |
| Annual return | -9.58% | 888.21%-897.8pp | 735.21%-744.8pp | 519.81%-529.4pp |
| Employer contribution / active EE | $8,326 | $6,035+38.0% | $5,298+57.2% | $4,779+74.2% |
| Participant deferral / active EE | $10,711 | $5,806+84.5% | $5,081+110.8% | $5,609+91.0% |
| Admin fee / account holder | $2,011 | $16,145-87.5% | $13,411-85.0% | $10,828-81.4% |