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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 | $59,519 | $138,078-56.9% | $125,363-52.5% | $134,509-55.8% |
| Participation rate | 100.0% | 84.5%+15.5pp | 82.4%+17.6pp | 81.2%+18.8pp |
| Annual return | -23.58% | 750.49%-774.1pp | 572.15%-595.7pp | 418.13%-441.7pp |
| Employer contribution / active EE | $12,276 | $5,245+134.1% | $4,815+155.0% | $4,741+159.0% |
| Participant deferral / active EE | $13,758 | $7,800+76.4% | $7,447+84.7% | $6,400+115.0% |
| Admin fee / account holder | $578 | $11,566-95.0% | $10,005-94.2% | $11,427-94.9% |