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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 | $156,082 | $100,911+54.7% | $90,440+72.6% | $158,966-1.8% |
| Participation rate | 100.0% | 75.0%+25.0pp | 72.7%+27.3pp | 82.0%+18.0pp |
| Annual return | -1.73% | 1726.62%-1728.3pp | 1294.38%-1296.1pp | 302.95%-304.7pp |
| Employer contribution / active EE | $5,704 | $3,690+54.6% | $3,263+74.8% | $4,762+19.8% |
| Participant deferral / active EE | $11,414 | $4,348+162.5% | $3,964+188.0% | $5,983+90.8% |
| Admin fee / account holder | $1,287 | $6,507-80.2% | $5,615-77.1% | $11,250-88.6% |