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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 | $49,520 | $138,102-64.1% | $125,381-60.5% | $134,532-63.2% |
| Participation rate | 100.0% | 84.5%+15.5pp | 82.4%+17.6pp | 81.2%+18.8pp |
| Annual return | -21.14% | 750.73%-771.9pp | 572.31%-593.5pp | 418.27%-439.4pp |
| Employer contribution / active EE | $9,768 | $5,245+86.2% | $4,815+102.9% | $4,741+106.0% |
| Participant deferral / active EE | $11,398 | $7,801+46.1% | $7,448+53.0% | $6,401+78.1% |
| Admin fee / account holder | $4,393 | $11,568-62.0% | $10,007-56.1% | $11,429-61.6% |