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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 | $84,369 | $27,936+202.0% | $58,561+44.1% | $75,173+12.2% |
| Participation rate | 100.0% | 38.8%+61.2pp | 50.9%+49.1pp | 67.2%+32.8pp |
| Annual return | 14.63% | 44.21%-29.6pp | 4251.33%-4236.7pp | 160.72%-146.1pp |
| Employer contribution / active EE | $6,078 | $670+807.8% | $1,053+476.9% | $2,671+127.6% |
| Participant deferral / active EE | $3,729 | $1,202+210.3% | $1,923+93.9% | $4,126-9.6% |
| Admin fee / account holder | $7,221 | $1,727+318.2% | $2,520+186.5% | $5,651+27.8% |