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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 | $36,632 | $57,305-36.1% | $86,640-57.7% | $75,173-51.3% |
| Participation rate | 100.0% | 63.2%+36.8pp | 71.7%+28.3pp | 67.2%+32.8pp |
| Annual return | -4.93% | 2674.24%-2679.2pp | 592.52%-597.4pp | 160.72%-165.6pp |
| Employer contribution / active EE | $8,632 | $2,316+272.7% | $3,024+185.4% | $2,671+223.2% |
| Participant deferral / active EE | $4,122 | $3,320+24.2% | $4,438-7.1% | $4,126-0.1% |
| Admin fee / account holder | $1,442 | $4,116-65.0% | $5,616-74.3% | $5,651-74.5% |